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

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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 buy an Annuity

Research reveals how little time many of us put into choosing an annuity so this week we look at how to get the most from your retirement pot. This is one of the biggest decisions any of us will make. You only get one crack at it, but it’s a decision that can influence the next 20-30 years of your life. So it’s distressing to see some people spend less time than most of us put towards working out our next holiday or what car to buy.

What is an annuity?

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Teaching your children about money

Teaching your children about money will help them pick up good habits for the future.  We have pulled together some helpful steps so you can show your children how to make smart money decisions:

Step 1- Keep it fun

A great way to help children get started is to have three jars with the following labels:

●          Spending – for buying something now.

●          Savings – for a saving goal – such as a toy, book or sports jersey. Explain why it is important to save. Help them work out the cost of the item they are saving for and how long it would take to save for it, based on how much pocket money they get.

●          Future – this is money that is put away and can’t be touched until an agreed time in the future, such as summer holidays. Teaching your child to put a little away for a rainy day is a good way for them to be prepared for what might happen in the future.

Every time your child receives money they can decide how much they would like to put into each jar. Over time your child will begin to understand how to manage money and will be ready for the next step, opening their own savings account.

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Savings Tips

1. Setting a savings target right at the beginning will give you something to aim for and a better
chance of achieving your goal. But make sure your target is realistic. Not too much, but more importantly not too little.

2. You should try to build up a savings pot of at least three months’ salary, so you’ll have enough money

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Save up to 41% with Tax efficient life cover.

Chances are you were never informed that you can save up to 41% on your life cover. This is one of
the best kept secrets in the insurance world.

We all know taking out Life Cover is a good idea…

But sometimes with all the other demands on your income such as mortgage payments, utility bills, holidays, school fees, the weekly grocery shop… it can be hard to see how to budget for Life Cover. However, there is a solution available that delivers the peace of mind that comes from knowing that these expenses can be covered should you die. In fact, it can cost up to 41% less than a regular Term Assurance policy.

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