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Tuesday, 14th November 2017

Part of Bank of Ireland's 17th National Enterprise Week Women in Business event taking place in Waterford on November 23rd

Bank of Ireland's 17th National Enterprise Week, themed 'Scaling Your Business', will take place from 17 to 24 November and will see up to 26 events take place across the country for SMEs with an interest in growing their business. Each unique event has been carefully planned to support specific industry sectors with experts on hand to speak about everything from trends, forecasts and opportunities to personal relevant business experience. The aim of the initiative is to promote and drive momentum for businesses in areas such as manufacturing, tourism and hospitality, agri, finance, fisheries and export markets.

These themed events taking place across the country will give SMEs the opportunity to hear from industry experts and network with like-minded businesses. In Waterford,

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Thursday, 9th November 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

Hi ho, hi ho it’s off to....

North Korea!!!!

Much of the news last week, focused on the announcement that three Irish TDs would be paying a visit to the Democratic People’s Republic of Korea (DPRK). North Korea to you and me. Yes, that madcap

totalitarian dictatorship, run by their supreme leader Kim Jong-un, will be visited by Ireland’s "Three Stooges" - Messers Ross, McGrath and Waterford’s very own Minister Halligan, will fly out, at their own expense, to the capital Pyongyang, we assume, to stop, in their own words, "The inevitable move towards war with the good old USA".

This amazing story began last week. Just like many people, I immediately checked my phone, when I first read this, to see if it was the 1st of April. I also checked that this was not a Waterford Whispers news

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Thursday, 9th November 2017

John Smiles

Qualified Financial Advisor

When will equities crash?

From 6th March 2009 to 3rd November 2017, the S&P 500 increased spectacularly from 683.38 to 2,587.84 and the FTSE 100 from 3,530.73 to 7,560.35. Many analysts have been predicting a stock market collapse based on stock markets being at all-time highs; bull markets have traditionally never run for longer than 7 years and the day of reckoning is coming.

While nothing is forever, it is very difficult to predict exactly when the next bust will occur. At a time of almost zero returns on cash and bonds, investors are understandably, not anxious to cash in their equity holdings and transfer their accumulated capital to a zero earning asset class. Why therefore, despite this conventional wisdom, do equity markets continue to grow with no sign of weakness?

The huge transfer of debt from the corporate sector

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Thursday, 9th November 2017

The homeless figures for September 2017, announced by Minister Eoghan Murphy this afternoon (but not yet published in detail) show a new record number of 8347 people homeless.

This is compared to 8,270 in August 2017, and 6,709 in September 2016.

There is also yet another new record number of children now homeless – rising from 3,048 in August month to 3,124 in September. A shocking total of 37% of the total homeless figure is now made up by children.

Focus Ireland said some great work is being done to help many exit homelessness but the charity warned that the Government is still not doing enough to prevent many more from becoming homeless.

"The Minister rightly highlights the extraordinary work which Local authorities, homeless organisations and the Department are doing in collaboration to support record numbers of households to move out of homelessness. However,

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Thursday, 9th November 2017

20 AVON COURT, AVONDALE, WATERFORD

Situated on a corner site in the mature development of Avondale, this property is a beautifully presented home offering many extras. Within a couple of minutes drive to a choice of excellent schools and the Outer Ring Road, all amenities are easily accessed together with the convenience of a regular bus service to the city adjacent.

The property itself is in excellent condition with off street parking for 3 cars and a large maintenance free garden to the rear which benefits from a south westerly aspect. Both the kitchen and entrance hall have solid birch floors. Additional features include corner site, extra large utility, adjoining garage suitable for conversion (subject to relevant pp), walled in cobblelock garden, shed, Stanley stove. PVC double glazed windows, solid fuel central heating. Asking price €165,000.

Viewings is highly recommended and is strictly

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Wednesday, 1st November 2017

Michael Garland,

bizBoost Chair,

Waterford Business Group

“Trick or treat, smell my feet!”

Now that I have reached the “GOOD” side of 50! I am rapidly become less and less tolerant! Maybe even more grumpy! In fact Mrs Garland and the rest of the Garland Clan tell me that I am turning into Victor Meldrew. Played by Richard Wilson, another Scot, in the BBC sitcom “One foot in the grave”. I don't believe it myself, though, I have to admit, I do see some uncanny similarities, particularly within certain situation, which I experience.

I am pretty sure that Victor would be sickened at the lack of effort and imagination that we witness, when we answer these knocks at the door, at this time of year. “Trick or Treat!” - sadly even these three words are largely missing from this custom. The whole process has become

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Wednesday, 1st November 2017

John Smiles

Qualified Financial Advisor

What is 'Euro Cost Averaging?'

One of the biggest dilemmas investors face is market timing. Jumping in and out of markets on a regular basis not only requires constant monitoring of daily events but also requires the skill to act on such events. Even the best fund managers avoid trying to catch the top or bottom of a market.

The fact is, it's impossible to time markets perfectly, so it's best not to try.

Most of us want to invest and achieve the best returns for our future but we don't want to put our hard earned capital at risk, just at the wrong time. Ideally we would like to improve our chances of entering the market at the right time. One way of doing this is to spread or drip-feed your lump sum into the market as opposed to

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Tuesday, 24th October 2017

John Smiles

Qualified Financial Advisor

Why invest in infrastructure?

Infrastructure offers investors a potentially long-term, low-risk, and inflation-linked profile and an alternative asset class that could provide new sources of return and diversification of risk.

Infrastructure assets provide essential services that are necessary for populations and economies to function, prosper, and grow. They include a variety of assets divided into five general sectors:

- Transport (e.g., toll roads, airports, seaports, and rail);

- Energy (e.g., gas and electricity transmission, distribution, and generation);

- Water (e.g., pipelines and treatment plants);

- Communications (e.g., broadcast, satellite, and cable);

- Social (e.g., hospitals, schools, and prisons).

Infrastructure assets operate in an environment of limited competition as a result of natural monopolies, government regulations, or concessions. Most companies have long-term regulatory contracts to operate the assets, which can provide a predictable return over time. As a result, infrastructure assets have the potential to generate

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Tuesday, 24th October 2017

Ireland's house prices are the second fastest-growing in the EU, according to Seán Kelly MEP. New data released by Eurostat on Wednesday showed that the highest annual increases in house prices in the second quarter of 2017 compared with the second quarter of 2016 were recorded in Czech Republic (+13.3%),

Ireland (+10.6%) and Lithuania (+10.2%), much higher than the EU average increase of 4.4%. Ireland’s prices also grew by one percent between Q1 and Q2 of 2017.

Speaking from the European Parliament, Brussels, Seán Kelly, highlighted the need for more regional investment to ease the pressure on Dublin, and welcomed the allocation of €1.9 billion for housing in Budget 2018: "These figures are not surprising, but they do offer another reminder that work needs to be done to tackle this ongoing issue of housing in Ireland - an issue stemming from the

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Tuesday, 24th October 2017

Construction work across Ireland will come to a momentary standstill at midday this coming Monday October 23rd to mark the beginning of Construction Safety Week. The Construction Industry Federation (CIF) is encouraging all construction workers and companies of all sizes to take part in the national #StandDownForSafety and to share images of the event across social media to raise awareness of the importance of health and safety on and offsite.

Broadcaster Baz Ashmawy of Emmy Award winning TV show 50 Ways to Kill Your Mammy and his mother Nancy, will feature in this year’s Construction Safety Week videos, which will air on CIF social media channels throughout the week.

Tom Parlon, Director General, CIF said: "Construction Safety Week allows us to reflect and refocus our efforts on improving health and safety within our industry. The very nature of construction work means that

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Letters to the Editor

  • Children in the womb deserve b...

    The Government wants us to vote "yes" in the abortion referendum in order to delete unborn children's right to life and allow abortion on demand in the first 12 weeks of pregnancy. Abortion campaigners claim that there is no human being yet alive by this point. That's why they think abortion on demand is permissible.They are completely wrong. By 12 weeks the baby in the womb has a beating heart, can swallow and yawn, can kick, stretch and jump, has arms, legs, fingers and toes, has fingernails and hair, h …

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