Q It’s my 50th birthday soon and I’ve been working hard in various jobs for almost 35 years. I want to be in a position to retire by the time I’m 60. How can I make sure that can happen? A This answer is a long one. I’ll send you a list of the information
How To Be Prepared For A Financial Emergency And Unexpected Bills Q: How should I prepare for a financial emergency? A: If you don’t have enough savings to fall back on, you should take action now to protect yourself from an unexpected bill. A third of us are living on the financial edge, with no
Should I switch mortgage now and what are the steps? “Hey SEFS, I’m thinking of switching mortgage. Should I? What are the steps involved? – Get switching (or at least find out if it’s possible and worth your while) 1. We need to find out how much is owed on your existing mortgage, the
New Year’s Resolutions – how to give your finances a thorough health check this January It’s still January but I wonder how many of us made and stuck to our New Year’s resolutions. Instead of committing yourself to some elaborate resolution, which may be all but impossible to keep, why not think about taking
Q. My child is starting college in a few years and I am worried about the costs. How much do I need and what are my options? College costs are rising, so you should consider starting to save now. The cost of putting a child through college is increasing. If you have young children,
Business Protection. One of the companies we work with have’ been listening to Irish SMEs in order to better understand their Protection needs and their hopes for the future’ Here are some stats from Aviva Two out of three Irish SMEs claim to rely on a single individual or a small group of individuals to generate
How Much Life Insurance Do I Need? There is no exact “how much life insurance” figure that you should put in place so don’t worry about trying to calculate an exact amount. There are two ways to calculate how much life insurance you need: 1) Lump Sum Life Cover Life
Serious Illness Cover Serious Illness/Critical Illness Insurance pays out a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers. It can be provided as an extra benefit on a Life Assurance or Mortgage protection policy or it can be provided as a standalone product. Typically
Inheritance Tax Planning How will your family manage this liability after your death ? Have you made provision for Inheritance Tax ? Inheritance Tax Planning identifies and manages any tax liability in advance and will deliver peace of mind for both you and your family. You can set up a life insurance policy equal to