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11 helpful financial tips with Pascal: Don’t do the Ostrich!

first_imgPascal Curran, a Letterkenny based financial advisor and founder of advicefirst.ie, has some financial tips for when we feel like burying our heads (but know deep down, that it’s only making matters muuuuch worse!)Pascal’s got your back!At Advice First Financial we think it’s only right to help our customers, in any way we can, when it comes to helping them to manage their finances – money matters are not black and white, they equate to freedom, security, peace of mind and – it means a lot to get to grips with it all – and not bury our heads! Some tips for taking a deep breath and sorting things out: Plan a household budget:A family budget can help you control your household spending so that you have enough money to pay your bills and cover the basics on an ongoing basis. When starting out to manage your money, it is important to record where you are specifically spending. Record all those little runs to the shop, the cups of coffee, the wee things we don’t realise that are costing us loads in the long-run. You need to understand where you are spending your money before you can take control. Writing it down is empowering and informative. Start an emergency fund:Always have some money put by for unexpected events – we never know what’s around the corner. A rule of thumb is to have at least 3 months’ net salary saved for emergencies. More than just a rainy day fund – this is money that could really solve a bigger problem should it arise and is important to have it saved. Get better value:There are lots of online interactive tools that can helps you compare your spending on household expenses. You can compare costs on mobile phones, broadband, groceries and energy. Using a price comparison app – or just shopping around yourself, can really maximise your budget – and save for what matters. Manage your credit card.Now this is the biggie. Firstly, know that the interest rate on your credit card is huge. Probably more than you think. Check it.. So.You should always aim to clear the balance on your credit card at the end of the month. This should be a must….If you have an outstanding balance. Set up a direct debit. You can choose what percentage you want to pay and thus avoid any unnecessary interest and charges by always paying on time.Check if you can transfer the balance to another provider who is offering a better interest rate, in fact there are a couple of providers offer 0% for a few months on balance transfers. Plan your spending; Make a list and decide what you will use your credit card for to avoid impulse spending.Check your statements; Either over the phone or on-line, reviewing your account regularly will keep you in control of your spending and avoid accidentally going over your credit limit. Get protected: Life insurance is not a luxury:If you have dependents, a life insurance plan is not a luxury, it’s a fundamental need. It helps maintain your family’s regular standard of living if something happened to the main breadwinner. If you have a mortgage you need life cover to help clear the mortgage if you pass away. If you are renting, if you pass away – how will your family afford the rent and the other household bills.We can help you understand your family’s protection needs at Advice First, well worth considering. Get your tax backDid you know that you can potentially claim tax back on many items that you are spending on?! – For example: Medical feesPension and Income Protection plansService charges for refuse collection, sewage disposal or domestic water suppliesFees paid for approved third-level coursesWhy not go to Revenue.ie for a full list of tax reliefs available or contact us at Advice First and we will be happy to put you in touch with our tax advisor. Plan for your retirement:For some of us the state pension won’t start until age 68, so having your own pension plan is vital. You can get full tax relief on the contributions – so you should really make the most of this.We can help you work out what your pension needs are, too. Become a super-saver:With credit still difficult to come by, now may be the time to devise a ‘super-savings’ plan to help you get in the habit of squirreling away as much as you can. So instead of opening just one savings account, you could open several regular savers, each designed to help pay for things like holidays, new car, third level education costs and home improvements. Be smart with your investments:Consider an investment that suits your needs by doing a risk profile test to identify what type of investment is right for you. Generally, best advice is to spread your money across different types of investments and assets. Give your finances a regular check-up:Finally, it’s really important to regularly review your finances with your Financial Advisor, this way you’ll find it easier to keep on top of things. You’ll thank yourself in the short and longer term for taking control with the support of a professional. Arrange a Financial ReviewIt will only take an hour of your time and it will be arranged at a time that suits you. You’ll feel miles better afterwards – knowing that you’ve taken a responsible step in the right direction. Each month Pascal will provide financial advice on the most frequently asked topics – here on Donegal Daily and is looking forward to further breaking down the barriers around financial advice in his renowned experienced and jargon-free way! If you would like to book a no obligations consultation with Pascal, click here or simply call  +353 74 910 39 38 to talk to us today.Follow us on Facebook & Instagram  Advice First Financial Services Ltd trading as Advice First Financial is regulated by the Central Bank of Ireland.11 helpful financial tips with Pascal: Don’t do the Ostrich! was last modified: May 29th, 2019 by Pascal CurranShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:advice firstbudgetFinancialPascal Curransavingslast_img read more

Medi-Clinic expands UAE operations

first_imgSAinfo reporterWould you like to use this article in your publication or on your website? See: Using SAinfo material 12 January 2011 “We are proud to be associated with the Emaar brand and are confident that the quality standards of both our organisations complement each other,” Hadley said. “EHL will introduce systems to enhance operational efficiencies as well as strengthen healthcare standards further.” According to Emaar Properties chairman Mohamed Alabbar, the venture forms part of the company’s long-term strategy of concentrating on its core competencies of creating premium real estate developments in key emerging markets around the world. In a statement this week, Medi-Clinic Corporation chairman Edwin Hertzog said the agreement demonstrated the valuable opportunities present in the region Exploring partnership opportunities “Emirates Healthcare Limited has demonstrated its competencies in delivering world-class healthcare, and we are confident that our agreement will further establish healthcare assets in our communities as among the most efficient healthcare providers in the region,” he said. He said the company would continue its emphasis on business and geographic expansion, while exploring partnership opportunities with proven specialists to bring greater value efficiencies to operations.center_img EHL chief executive David Hadley sad that the company had access to a wealth of combined expertise and the shared knowledge of internationally qualified healthcare experts, and had proven their ability to provide a higher level of medical care. South African private hospital group Medi-Clinic has entered into a collaboration with Emaar Properties to take over the running of the Dubai-based property developer’s healthcare portfolio, which includes three clinics in the United Arab Emirates (UAE). EHL employs around 1 500 people, and operates seven of the UAE’s most prestigious healthcare facilities, including the Welcare Hospital, The City Hospital and five successful private clinics in Dubai – the Welcare Ambulatory Care Centre, Emirates Diagnostic Clinic, Welcare Clinic Mirdif, Welcare Clinic Al Qusais, and the newly opened Welcare Ibn Batutta Clinic. Strengthening healthcare standards As part of the agreement, which takes effect on 15 January, Medi-Clinic’s Middle East division, Emirates Healthcare Limited (EHL), will acquire the assets of and operate the Dubai Mall Medical Centre, the Arabian Ranches Clinic and the Meadows Clinic. “Medi-Clinic has experienced positive growth in its Middle East operations and EHL has established itself as a brand that is associated with high quality healthcare,” Hertzog said. “The association with a property development market leader such as Emaar Properties confirms our standing as a prominent player.”last_img read more

Release Date for Lightworks Mac Public Beta

first_imgLightworks has officially unveiled a date to release it’s public beta for Mac.If you aren’t very familiar with Lightworks you’re in good company. Lightworks is currently a Windows and Linux based video editing application, and while it’s not as popular as some other editing platforms such as Apple, Adobe, or Avid, it has a 20 year history.Big budget editors such as Tariq Anwar of The King’s Speech and Jill Bilcock of Road to Perdition have used Lightworks as their NLE of choice for years. With Red native format supporting, exporting in the background, multicam editing, and project sharing for editing in groups, Lightworks is aiming to be a contender against the other popular NLEs.Lightworks will boast the only tri-platform support (Windows, Mac, and Linux) but as of right now you can only use it on a Window’s and PC machine. That is all scheduled to change very soon. In an interview with RedSharkNews, Matt Sandford, the Global Product Manager for Lightworks stated:“The most common question we get asked is when will Lightworks be available on Mac? Well, we are pleased at last to say with confidence that the Mac Public Beta will begin on the 11th of June 2014.Before that though there will be a short Alpha program to a dedicated select team of users. These are users that have requested Alpha access in the past and are keen to help make sure that the Mac version is on track where it needs to be. This is the exact same process we did with the Linux version. The Mac version has been in existence for some time, so is already very stable, but because reliability is essential we are looking to test this intensively from Alpha through to Beta”The best part is Lightworks is free with an unlimited trial period. The only catch is if you want to export a file format larger than 720p you must pay for the “Pro” software which is available through a membership (7.99 a month or 79.99 a year) or outright purchase for 279.99 (which is much cheaper than any other major editing applications).You can download Lightworks from their website. Be on the lookout for the upcoming Mac release!Do you currently use Lightworks? Looking forward to the Mac release?Share in the comments below.last_img read more

Panchayat polls: A setback likely for BJD

first_imgAt the end of the fifth and last phase of panchayat polls on Tuesday, it became clear that Chief Minister Naveen Patnaik’s Biju Janata Dal has lost its supremacy in rural Odisha, suffering a severe jolt in the western region.In its fourth consecutive term in power, the BJD has for the first time faced serious challenge not from the Congress but from its one-time ally, the Bharatiya Janata Party. The shock to the ruling party has come while it was trying to strengthen its position by celebrating the birth centenary of late Biju Patnaik after whom the party has been named.Before enforcement of the model code of conduct, Mr. Patnaik had visited almost all the districts, announcing new schemes and laying foundation stones for new projects in an attempt to beat anti-incumbency. A number people from rival parties as well as popular actors were inducted into the BJD to exhibit the party’s growing popularity in the run-up to the polls.The ruling BJD had also tried to whip up popular sentiments by raising the Mahanadi water dispute with Chhattisgarh by organising protests and Jal Satyagraha.Although the results of the rural polls have not been formally announced, going by reports reaching the Capital city, it appears that the BJD had lost ground in over 100 Zilla Parishad constituencies. Top BJD leaders too have failed to prevent the BJP from winning in their strongholds. It seems that Mr. Patnaik’s pre-poll announcements and public mobilisation on the Mahanadi issue had had little impact on voters. The BJP, on the other hand, achieved spectacular success by intensifying its campaign when the BJD was bugged by anti-incumbency, and the Congress, the main opposition in State Assembly, remained a divided house.The saffron party is likely to cross the 300 mark by increasing its strength from a measly 36 of the total 851 Zilla Parishad seats in the last panchayat polls in 2012.The BJP has not only achieved substantial electoral gains in the western region of the State by defeating both the BJD and the Congress nominees, it has also been able to make inroads into the coastal region where the BJD was strong all these years.The BJD, which won 651 seats in 2012, is set to get restricted to 400-odd seats with the Congress suffering a major setback. The party, which has been pushed to the third position by the BJP, is set to win 50-odd seats this time as against 128 five years ago. Though the trend was not clear in all 30 districts, the BJD is likely to form Zilla Parishad in at least 14 districts, the BJP in eight and the Congress in two districts as happened in 2012. The BJP had not been able to form council in any district last time.The interior districts where the BJP performed unexpectedly well this time include Kalahandi, Balangir, Sambalpur, Deogarh, Malkangiri and Mayurbhanj. The party had strong presence in these areas during its nine-year-long partnership in the State government from 2000 to 2009.Voter turnout The final results will be declared by the State Election Commission on February 25. The initial outcome, however, have left the BJD shocked, the BJP euphoric and the Congress depressed. All these parties have already started contemplating about adopting new strategy to regain lost ground and consolidate their position in future polls. The highest voter turnout of 77% was recorded in the last phase of the polls on Tuesday, surpassing the turnout in the previous four phases. Giving details of the fifth phase polling held in 150 Zilla Parishad seats spread over 26 of the total 30 districts, the Election Commission said Subarnapur district recorded the highest turnout at 88% and Chief Minister Naveen Patnaik’s home district Ganjam saw the lowest at 67%.The results of the elections for the posts of sarpanches and ward members, and results for panchayat samity members and Zilla Parishad members will be announced on February 23 and 25 respectively by the Block Development Officers-cum-Election Officers.last_img read more

4 injured in Punjab clash

first_imgTension prevailed in Punjab’s Phagwara after two groups clashed on Friday night over an attempt to install a flex-banner bearing a photo of Dr. B.R. Ambedkar at the town’s ‘Goal Chowk’ (square) and to rename it as ‘Samvidhan Chowk’. Four people were injured in the clash.Following the incident, the Punjab government on Saturday ordered suspension of mobile internet and SMS services in four districts – Kapurthala, Jalandhar, Hoshiarpur and Shahid Bhagat Singh Nagar.last_img read more