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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

29 years later, Kashmir Pandit returns to jubilant welcome

first_imgA Kashmiri Pandit’s homecoming to Srinagar, 29 years after he left the State, on Thursday was met with a rousing reception from locals, infusing hope for the peaceful return of the Hindu community that had to leave the Kashmir Valley in the 1990s in the face of raging militancy.Roshan Lal Mawa, in his 70s, on Thursday threw open a shop selling dates in the volatile old city’s Zanai Kadal area, from where he hails originally. That Mr. Mawa will sell a variety of dates is also symbolic since the Muslim holy month of Ramzan is a few days away.Jubilant localsTo his surprise, decision to reopen the shop, closed for 29 years, attracted jubilant locals and fellow shopkeepers. Mr. Mawa was welcomed with the tying of a white turban around his head, a Kashmiri tradition, and many hugs were exchanged. “I have set up a thriving dry fruit business outside [Kashmir]. I lived a happy life in Delhi. But I decided to return [to Kashmir] because I missed the affection I have here, the brotherhood, the hugs and the Kashmiriyat (cultural values of the Kashmiri people). You can’t find these values anywhere in the world,” said Mr. Mawa.He was among the hundreds of members of the Kashmiri Pandit community that was forced to migrate outside the Valley as militancy spread in the 1990s. Mr. Mawa’s decision to return was not easy, given the circumstances in which he had to leave.“It was October 13, 1990. A youth entered my shop and asked for dry fruit samples. In the meantime, he pulled out a pistol and shot me four times in my abdomen. I survived. I, along with my wife, moved outside the State,” he recalled.‘Yearning to return’He said his return to his roots “reflects the general yearning of my community to return home”. But, Mr. Mawa added, “I oppose the idea of having separate colonies for Pandits. It will make us soft targets. I want my [Muslim] neighbours to take care of my children.” Leaders of regional parties joined in welcoming Mr. Mawa. “Eventually, it will be this leap of faith taken by Roshan Lal and the warmth shown by his Muslim brethren that will strengthen ties and also encourage them [Kashmiri Pandits] to return home, where they truly belong,” said Peoples Democratic Party (PDP) president and former chief minister Mehbooba Mufti.last_img read more

14 years on, some soul-searching questions for Rane

first_imgFrom whether joining Congress was a mistake to his disinterest in Delhi as Rajya Sabha MP, and from slamming the Shiv Sena leadership to candid confessions, the release of former chief minister Narayan Rane’s autobiography turned into a look at his political career with the political bigwigs present on Friday hinting that it would have been better had he not joined Congress, 14 years ago. It began with Mr. Rane’s long-time friend and Union Minister Nitin Gadkari recollecting the former’s decision to quit the Sena and join Congress. “I knew it was a mistake. I even told you so. As a friend I even tried to pursuade you to not join the Congress. Had you not joined the Congress, the history of this State would have been different,” said Mr. Gadkari while releasing the autobiography titled No Holds Barred. NCP chief Sharad Pawar released the Marathi version titled Zanzavat.Mr. Rane had a brief stint as chief minister in 1999 after the first BJP-Sena coalition government assumed office in 1995. In 2005 Mr. Rane quit Sena following his differences with the then executive president Uddhav Thackeray. He then joined the Congress and was reportedly promised a chief ministership which never happened. In 2017 he quit Congress to float Maharashtra Swabhiman Party and was made Rajya Sabha MP from the BJP quota in 2018. His jump to the BJP is blamed at the possibility of probe by Enforcement Directorate (ED). Mr. Pawar, asked in jest whether it was a mistake to quit Sena and join Congress. “Now let him decide whether it was a mistake or grave mistake,” he said. Reminding him of the promises made to him by Congress, Mr Pawar said, “We have spent our lives there. One should only remember the promise. No one knows whether it will be fulfilled or not,” he said, taunting Congress. Mr. Rane, however did not respond to points raised about him joining the Congress, but recalled his memories of Sena founder late Bal Thackeray and slammed Uddhav Thackeray saying he received everything on a platter. “I received everything without demanding. But one thing is sure, I did not become the MP by my choice. I knew that my time was being wasted at a time when I wanted to do much in the State,” he said.last_img read more