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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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Thursday, 8th August 2013

John Smiles

Qualified Financial Advisor

Will the transfer of deposits from IBRC and Irish

Nationwide affect me?

The Deposit Guarantee Scheme [DGS] is a permanent scheme set up by Statute and operated by the Central Bank of Ireland. It's designed to protect deposits in the event of a bank or building society being declared insolvent. The maximum compensation limit is €100k per deposit per institution covered by the scheme. In the case of a joint account both parties are covered independently giving them a limit of €200,000 per institution. Some deposits may also be covered by the ELG which finished on the 28th March last, where they are term accounts.

It's important to note that the transfer of deposits from IBRC to AIB and from Irish Nationwide to Irish Life and Permanent that the maximum compensation is now only €100,000 in total because both Irish

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Thursday, 8th August 2013

Fianna Fáil area representative Jason Murphy has once again highlighted the excessive burden placed on families trying to ensure their children receive the education they not only deserve but to which they are entitled.

Families have been hit with the €50 cut in the Back to School Allowance per child and the cuts to child benefit and maternity allowance, all while the latest inflation figures show a 5% increase in education costs over the past year. However it is not just those who are in receipt of this payment are struggling. Many working parents do not qualify for the Back to School Allowance scheme and must fund the costs of uniforms, books, etc. with no help. Often these families are struggling with mortgage payments and rising cost of living expenses and find it very difficult to send their children back to

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Thursday, 8th August 2013

Alcohol sponsorship and sports funding

The Vintners' Federation of Ireland (VFI), which represents 4,200 publicans outside of Dublin, has reiterated its calls for the introduction of a "Lid Levy" to generate significant funds which could replace sponsorship revenues currently provided by alcohol companies.

The VFI estimates that the alcohol industry is responsible for at least €20m in sponsorship money to sporting and arts related competitions, festivals and events in Ireland every year. This accounts for 20% of the Irish sponsorship market. If the government were to phase out and ultimately ban alcohol sponsorship, then the VFI strongly argues that this vacuum must be filled in order to protect the sports industry and support participation programmes in particular.

The VFI also urged the government to stop its procrastination on this issue and the wider issue of the sale and promotion of alcohol to give

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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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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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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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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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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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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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Letters to the Editor

  • Waiting can be bad for your He...

    When the latest statistic that waiting times for patients had risen to their highest level yet, there can't have been too many people that were surprised.There are now over 700.000 people on waiting lists with over 50.000 of them children. That so many people are waiting for treatment in one of the most developed economies in the world is truly frightening. Of course you can take into account the underfunding of the health sector during the economic downturn but it still wouldn't fully explain why so ma …

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