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Wednesday, 28th August 2013

John Smiles

Qualified Financial Advisor

How important is work experience for students?

The current generation of graduates is suffering most due to minimal employment opportunities. There are steps that graduates can take to improve their suitability as candidates for work.

Increasingly, recruiters are looking for candidates to display practical workplace skills and experience that can be applied directly to a specific industry or market niche. While experience cannot be acquired at the expense of required academic qualifications, the prevailing employer mind-set provides an opportunity for students to enhance their appeal in a competitive market.

As an aspiring graduate, you must never lose sight of your academic goals and what is required to achieve them. This is why sourcing work experience can be difficult when studying, especially for those pursuing qualifications in challenging subjects such as business and finance.

The summer months and the year immediately following

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Wednesday, 28th August 2013

In an AA survey of almost 15,500 people, 28.5% have said that their home has been burgled at some stage. It is probably no surprise that Dublin is worst for burglaries overall, with over 38% saying they have been a victim of this crime at some stage. The CSO found that between 2004 and 2012 burglaries had increased by 22% in the Western Dublin division. However, the North Central division saw a decrease of 11%.

CSO figures have shown an increase in burglaries of over 10% between 2004 and 2012 but it is the commuter counties around Dublin which have seen the greatest increase. These counties include Louth, Laois, Offaly and Kildare. However it is County Meath which has seen the greatest increase in the commuter counties with 40% more burglaries in 2012 than in 2004. This figure was reflected in

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Wednesday, 28th August 2013

It has been reported that rental rates in some parts of the country are increasing, but that is hardly surprising given the enormous direct and indirect taxation levied on landlords.

The landlords' national representative body, the Irish Property Owners Association (IPOA), invented a new verb to describe the situation – to "taxsault". And they said that is precisely what is happening now. "Private landlords cannot be expected to subsidise the rising costs of letting," said the IPOA's Margaret McCormick. "They have to cover their costs including heavy mortgages, try to earn a sustainable income and pay their taxes, just like everyone else. Private landlords are continually seen as easy pickings for the obsessive way in which the Government is seeking to raise revenue – but in the process, they are ignoring fairness and equity."

The latest "taxsault" is the double taxation applying

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Wednesday, 21st August 2013

John Smiles

Qualified Financial Advisor

Can I get Cancer Cover for 1 cent a month?

In 2012, Zurich Life launched a stand-alone cancer cover policy available to anyone aged 18 to 60, meeting Zurich's underwriting requirements. It pays out a cash lump sum, if you are diagnosed with cancer during the term of the plan, as defined in the Policy Document. The types of cancer that would ordinarily be covered include breast, prostate, bowel, lung, gynae, testicular and malignant melanoma skin cancer.

Cancer will affect 1 in 3 men and 1 in 4 women at some stage in their life. In Ireland, an average of 30,000 new cases is diagnosed each year. This is expected to rise to over 40,000 per year by 2020. In 2012, cancer accounted for 9 out of 10 of female serious illness claims and over 5 out of 10

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Wednesday, 21st August 2013

Catering for everything your child needs

Kidz Inc. is a purpose built Creche and Montessori caring for children aged from 3 months to 7 years old. This warm and welcoming crèche is open from 7.45 a.m. to 6.00 p.m. Monday to Friday for 51 weeks, providing a full-time, morning, afternoon and part-time service to accommodate working parents. Rooms specifically care for Babies (3–12 months), Tweenies (1–2 years), Toddlers (2–3 years) and Montessori (3 years+). Staff/child ratios are fully compliant with HSE regulations. Kidz Inc. offer a 1:5 ratio for Toddlers, instead of the 1:6 ratio set by the HSE.

Kidz Inc. was set up by Eimear Keating in 2005. With 15 years experience in Childcare, Eimear is qualified in Childcare, Montessori Teaching, Creche Management and has tutored adults part time in Childcare. Prior to working in Waterford, Eimear worked in and managed

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Wednesday, 21st August 2013

Irish Times Training has joined forces with the Irish Internet Association to offer a Diploma in Digital Marketing. The course will commence on September 18th and run over 13 weeks (6pm to 9pm) at the NAS Training Centre in the Cleaboy Business Park, Waterford.

The course is aimed at any organisation or business that wants to gain a better understanding of the ever evolving digital landscape and will enable all participants to develop a focused digital marketing strategy.

Over the course of the 13 weeks the modules will include digital marketing strategy, SEO, online advertising, mobile web, social media, online PR and many more. The trainers are comprised of some of the most well regarded names in the digital media industry, including Conor Pope of the Irish Times, Digital marketer Krishna De and Gareth Dunlop, a digital strategy expert.

"We've seen a remarkable

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Wednesday, 21st August 2013

Aviation sector celebrates 26,000 jobs and €4bn economic input with FlightFest

Aviation enthusiasts and employees in Waterford will understand the huge contribution the industry makes to the Irish economy, which includes 26,000 jobs and €4.1 billion input to the economy. Aviation is widely supported in the South East with Waterford Aero Club based at Killowen provides flight training for aviation enthusiasts in the area. Waterford Airport also provides a vital service and is continuing to grow.

To celebrate the importance of aviation in Ireland FlightFest, a spectacular once-in- a-lifetime, international aviation flypast through Dublin city centre is scheduled to take place on Sunday 15th September. Spectators will be provided with a close up of aviation from the 1930s with the six-seater De Havilland Dragon named 'Iolar' (Eagle), which carried just five passengers across the Irish Sea in 1936, right up to the

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Wednesday, 21st August 2013

Pictured is Paul Dunne from Dunhill Waterford with a 100% electric car at Reginald's Tower Waterford. Paul and his wife Bernadette currently have the use of an electric Mitsubishi iMiev, as part of ESB's Electric Vehicle trial – the Great Electric Drive. Paul was chosen from 12,000 applicants to trial the ecar for three months.

Paul uses the ecar for daily commute to work around Waterford and surrounding counties to deliver his training sessions in CPC and Health and Safety. Paul charges the car at home overnight using a home-charge point, and is finding the running costs of the ecar to be significantly lower than those of his previous vehicle. For longer journeys, Paul can use the network of charge points that have been installed by ESB in Waterford City at Fitzwilton Hotel, Ballybricken, Plunkett Irish Rail Station, Parnell Street and

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Wednesday, 14th August 2013

John Smiles

Qualified Financial Advisor

What is an REIT?

A Real Estate Investment Trust [REIT] is a special type of property rental Company, incorporated in the State and listed on a recognised stock exchange in any EU member State.

There are certain conditions applying to an Irish REIT. It must be established for the sole purpose of generating rental income but its properties don't have to be located in Ireland. The properties can be residential or commercial or a mix and at least 75% of its total income must come from rents.

It can borrow up to 50% of the value of its assets and must own at least 3 rental properties but no one property can be worth more than 40% of total assets. The company must pay out at least 85% of its property rental income as an annual dividend to shareholders.

The REIT

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Wednesday, 14th August 2013

The latest edition of the National Housing Construction Index compiled and issued by Link2Plans (www.link2plans.com) illustrates that Waterford has the third highest percentage drop in planning commencements this year. The team of researchers at http://www.link2plans.com have examined every housing construction planning application and planning commencement from January to June 2013, in the production of the National Housing Construction Index. The Index gives a direct comparison with the exact same period in 2012.

Waterford had the third biggest drop in construction performance in 12 months going from a percentage decrease of -26% in commencements last year, to a commencement drop of -45% this year. Waterford planning commencements fell from 71 in January to June 2012 to 39 in the same period in 2013. Furthermore, planning applications made in Waterford also decreased by -18% from 136 in January to June 2012,

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Letters to the Editor

  • A Wonderful Harvest

    Even though the weather Gods didn’t exactly play ball over the weekend it doesn’t take away from the fact that this years Waterford Harvest Festival was yet again another wonderful success. It was great to see the streets of the centre of the city so beautifully and thoughtfully decked out. The various food stalls offering tastes from all over were great to wander around. The information and background that each of the stall holders were able to give on the provenance of their food was really interesting an …

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