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Who is going to fill their shoes?

Have you considered the impact your death, the death of a key employee or business partner would have on your business?

Business owners and their families throughout Ireland are facing this issue every day. Some, however, are much better prepared than others.

As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial impact that it could have on your family? Would your family stay in the business or would they sell the business?

You may also need to consider the impact on your business of the death of a key employee or business partner. Would you have the funds available to buy your co-owner’s share of the business from their family? Would the business be able to sustain the financial loss on the death of a key employee?

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Ex-smokers reap rewards

Figures show the Cost of Smoking Hits Hard on cost of Insurance Products but ex-smokers who have quit for over a year could be set to reap savings

While some people will already have broken their New Year’s resolutions, others will be celebrating the first anniversary of the success of their 2015 achievements. None more so than those who embarked on their journey to kick the smoking habit last January 2015. Protection experts at Royal London say that there may be hundreds if not thousands of ex-smokers who gave up the habit as part of a New Year resolution last year, and that these people may yet be able to reap further benefits on the back of their accomplishment.

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Goals that don’t cost a penny

Goals that don’t cost a penny

I’m going to look at three easily achievable goals that won’t cost you a penny, yet they’ll help to enrich you, or at least de-debt you, which is just as good.

1. Tell the truth

Do you sit at home feeling silently guilty about your purchases or about debts? There’s no need.

This feeling is not coming from anyone else; it’s coming from inside you. It’s important to distinguish between guilt and shame. Guilt is internal, shame is external. You feel shame when you’re caught shoplifting. Guilt is when you go shopping and feel bad about it, even though those around you don’t take any notice.

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Get the most from your money with a financial plan

Get the most from your money with a financial plan.

If you haven’t given any thought to planning out your financial future then you should do it now. A plan can help you get the most from your money and help you achieve your goals in life. If you don’t draw up a plan, you’re more likely to end up in a financial mess. Drawing up a plan sounds tough, but it’s easier than you might expect

Here are five financial perils that could inflict serious damage if you don’t have a plan.

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Dental Insurance

Dental Insurance to Suit all Ages and Budgets We all want a healthy smile and good oral health but sometimes the costs can really add up. In fact, research shows that 56% of people in Ireland avoid visiting their dentist due to cost (Empathy research, 2013). But avoiding dental treatment can have a long term effect not only on our dental health but also on our general health and wellbeing.

How Dental Insurance Can Help

When you visit your dentist, DeCare Dental’s Healthy Smiles plans provide 100% cover for the cost of your exams, x-rays and cleanings and give great financial protection if you have a dental emergency or need more expensive dental treatment. So you can save money on your dental bills and protect your smile for life.

From Just €135.24*per year get 100% immediate cover for:

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Dental Insurance


Dental Insurance to Suit all Ages and Budgets
We all want a healthy smile and good oral health but sometimes the costs can really add up. In fact, research shows that 56% of people in Ireland avoid visiting their dentist due to cost (Empathy research, 2013). But avoiding dental treatment can have a long term effect not only on our dental health but also on our general health and wellbeing.

How Dental Insurance Can Help

When you visit your dentist, DeCare Dental’s Healthy Smiles plans provide 100% cover for the cost of your exams, x-rays and cleanings and give great financial protection if you have a dental emergency or need more expensive dental treatment. So you can save money on your dental bills and protect your smile for life.

From Just €153.12*per year get 100% immediate cover for:

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October 31st Tax Saving Deadline

As an employee, you have an opportunity to receive a significant refund of the Income Tax you paid through the PAYE system in 2014. This refund can be achieved through off-setting certain personal retirement saving/pension contributions made by you before 31 October 2015 against your Income Tax payments made in 2014. An extended deadline of

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Tax-saving for the Self-employed

If you are self-employed you must calculate your tax liability and make a payment by 31st October 2014 (12th November if registered with ROS) in respect of your:
 
1. Final Tax Assessment for 2014;                                                    2. Preliminary Tax for 2015.
 
The good news…

You can reduce your 2014 Final Tax liability and your 2015 Preliminary Tax liability by making contributions to a Personal Pension plan or to a PRSA plan by 31st October 2015 (or 12th November 2015 for ROS users) and electing to backdate the tax relief to 2014.

Example:

 John is self-employed, aged 45 years, and his Net Relevant Earnings for 2014 were

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How to be prepared for a financial emergency

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 savings whatsoever. The three most common unexpected costs were: car repairs, medical bills, and technology that needed urgent repair or replacement. Worryingly, many of us would either have to get into debt or increase our debt if we were hit by unexpected bills. And, unless you can rely on family or friends, getting hold of a decent chunk of cash fast will cost you. So it’s better to be prepared in case of an emergency.

Here are two ways to make sure you have money on hand for a rainy day.

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