Investments & Savings How do I plan for a rainy day? It’s easy; if you start saving now you can build up a cash fund. We now more than ever before that we need to take responsibility for our own futures. Practical questions, such as: What will University Education costs be? Will I be able
We decided to take a new life insurance policy and decided to go with Philip Cullen of Southeast Financial Services. I first met Philip through a business network group that I was involved withand he came highly recommended. I found Philips no nonsense straight talking approach refreshing and he delivered a top quality service with
We have used the professional services of Philip Cullen, Southeast Financial Services, in dealing with both our life and Health Insurance reviews. From the moment we met Philip all matters were handled in a most courteous and professional manner. We had a very successful outcome with all amtters and with less amounts being paid with
Protection cover for cohabiting couples 1 in 10 people are cohabiting in Ireland. Are you one of them? Assets passing on death between married couples or civil partners are exempt from Inheritance Tax. BUT this only applies in the case of ‘legal spouses’ and same sex registered civil partners. All other couples are treated as
Budget 2014 Summary The main relevant changes announced in the Budget 2013, are as follows: Pension levy to increase to 0.75% for 2014 and continue at 0.15% for 2015. Levy is increased and continued for 2015, in spite of a commitment by the Minister in last year’s Budget to terminate the levy in 2014.
An area for concern among cohabiting couples is the area of property ownership, and the taxation treatment of the house they live in on the death of one cohabiting partner. The stranger threshold for Inheritance Tax is €15,075 (December 2012). Inheritances in excess of this are subject to tax at 33%. So where the ownership
If you are self-employed you must calculate your tax liability and make a payment by 31st October 2013 in respect of your: 1. Final Tax Assessment for 2012;2. Preliminary Tax for 2013. (Note: If you use the Revenue Online Service (ROS) to both file your tax returns and pay your taxes you have until 14th
Click here to find out this great way to save on tax if you are self employed
Your Will could be useless or dangerous! A badly drafted or out-of-date Will can do more damage than no Will at all! A Will is a vitally important thing to write. But an incorrect, badly drafted or obsolete Will can be a huge headache. A Will is an expression of your wishes regarding the management
Do you need financial advice?Financial products can be complicated and it can be difficult to compare options and make the right decision for you. If you are confused by what is on offer, it’s best to seek independent financial advice. You might consider getting financial advice if you are making long-term financial decisions, such as:•