Informed Decisions Independent Financial Planning & Money Podcast

Hi All, Why Is My Defined Benefit Scheme Closing? What Should I Do About My Defined Benefit Scheme Closing? What Income Will I Now Have in Retirement? In this episode we empathise whole-heartedly, then delve and explore the options available to the many many thousands of employees who have 'lost' their Defined Benefit Pension Schemes in recent times. We go about answering the above questions. All...

Risk. The Oxford Dictionary defines risk as ' the possibility of something unpleasant or unwelcoming happening' ! It is therefore not a word which most of us are that much inclined towards. There are many forms of risk which many of us don't really think of until it happens! In this episode we will unearth these risks, and indeed share ideas on what one can do to manage them (if possible!). On a r...

Welcome to Episode 31 of The Informed Decisions Financial Planning Podcast . This Podcast Episode took all of my efforts, Tax is not a subject I especially enjoy but you are worth it! In this episode we explore how Income Tax works, what other tax is generally taken at source, and how to manage the levels of tax we pay. when we approach out Financial Planning in Ireland it can be so important to e...

Welcome to Episode 30 of The Informed Decisions Financial Planning Podcast . In this episode I am going to open the can on Financial Advice full stop! I am going to outline why you don't need any initially, and how you can help yourself. For the past 2 weeks our Podcast featured Dr. Daniel Crosby and discussed how we can enable ourselves to make more informed money decisions. One of his key princi...

Welcome to the latest Podcast in Ireland's only dedicated resource on Financial Planning for millennials. In this episode we bring you Part 2 of the Dr. Daniel Crosby Interview (New York Times Best-Seller might I add!) as well as the results of our Annual Listener Survey. I promise to be as concise as is feasible! If you are a new visitor to Informed Decisions, have a quick look over here to find...

It is not too often that we get to speak to a New Your Times Best Seller, so we are so chuffed to speak to Dr. Daniel Crosby, a specialist in Behavioural Finance. If this term is new to you then you are in for a treat. If you are familiar with it you are also in for a treat! Join Paddy on Part 1 of this special interview to learn his fully researched strategies for managing your financial decision...

In this episode Paddy follows up on last week's show and shares the main ways of saving for education. Importantly it will highlight the main pros and cons of each and give you a sense of realistic growth expectations from each. If you would like to see the blog version of this episode you can get it here. If you are a new visitor to Informed Decisions, have a quick look over here to find out what...

  In this episode Paddy shares the main costs of education so you can begin planning, but importantly will open your eyes as to 'how' to achieve the fund necessary to cover such costs! In Part 1 we share illustrations to show you what is involved in getting to your goal. Part 2 (next week) will delve into the pro's and con's of the different products and avenues available. If you would like to see...

Hi, Welcome Back! It was in my 'schedule of topics to blog about' and it seems it is timely as in the past 3 weeks only I have been asked about the above topic on 3 different occasions. In addition to that my present wife & I have just returned from a weekend city break to UK, and there is no doubt that flashing the oul' Credit Card around the place is an easy pit to fall into, hence the reason I...

Hi All, This week we are sharing something a little 'off topic'! I have been looking for an opportunity to donate this year, so for every completed Informed Decisions Survey in the next 6 days I will donate €1 to Irish Cancer Society . Given that I am doing all 'this' at no monetary gain I need to cap this at €200, so please help me get to that mark.....share it like there's no tomorrow! Six month...

Hi, Firstly, thanks for joining us! If you are a new visitor to Informed Decisions, have a quick look over here to find out what we are all about. If not, welcome back to Ireland's only dedicated Personal Finance & Financial Planning Podcast ! Everyone has been told to do one, but 'why & how' needs to be answered first! Join Paddy as he demystifies the topic in this 16 minute audio show.... Thanks...

Hi, A pretty influential insurance 'evangelist', Hesus Inoma is founder & CEO of WeSavvy, a Dublin-based start-up in the process of reshaping how we engage and manage our insurances. If you have ever gotten a Health, Home or Motor Insurance renewal letter in the post or via email you will know it is not always the most rewarding experience! WeSavvy is working to forge the future of how consumers i...

Hi, and thanks for popping in to listen to this weeks' Episode, which promises to be an interesting one for anyone who owns a car (so that represents the vast majority of us!). If you are new here please do check out this page , which will tell you a little about why this project exists and what it's aiming to do for you. Episode 21 is here: ################################# While some would argue...

Hi again dear listener! If you are new here, welcome! This is a great place to begin the journey if you are a new visitor. This is the 2nd in our 'financial foundations' series, and will further explain one of the many protection options available to us all in today's market. For the first in this series we looked at the ins and outs of specified illness cover. Click here to listen .   Income Prot...

Hi, Welcome to Informed Decisions Podcast #19! Thanks for continuing to listen and learn about critical aspect of Personal Finance & Financial Planning. Specified Illness has been getting the 'Joe Duffy Treatment' for years, lets see if it is deserves it! PODCAST HERE:       If you are new here, welcome! This is a great place to begin the journey if you are a new visitor. Any (decent) builder woul...

Hi All, Thanks for visiting the Informed Decisions Blog. The last few Blogs have been focused on informing you on how you can access money from your Pensions, both Personal Pensions and Employer Company Pension Schemes, when that time comes. If you are a new visitor you can check these out here and here ! For many of us I am conscious that the single biggest financial mountain to climb is one's mo...

Happy New Year! It's Officially 2017, and I genuinely wish you every success in whatever you are aiming for in the coming year. How can I take my Pension? The first part of the answer to this question was launched last week ( click here ), and this week we tackle the second part to this, getting our money from pensions we have 'through work', most often known as company schemes or occupational pen...

Hey, We are almost at the very end of 2016, much like all the years before it there was lots happening for everyone. If you had plans for the year you probably have reviewed them and identified what you want out of 2017. Or perhaps you didn't have plans, which probably accounts for many of us. Stephen Covey coined the phrase 'begin with the end in mind', meaning we should focus on the end goal of...

Hey! If you have ever wondered about any of the following: What age can I get the State Pension? When can I access my other Pension Funds? How much will the State Pension Provide me with? If your answer to any of these is 'yes' then this episode is right up your alley! Next week we will look into how one goes about getting one's money from a pension, but that's for another day! Hopeful that this i...

Hi, Whether you are a first time buyer or are an existing mortgage holder Paddy Delaney (QFA, RPA, BBS) shares some useful information on how to take control of your mortgage, and the benefits of doing so. A recent survey suggests that a large portion of us millennials don't care about the future, merely about the 'now'! Indeed we can often be in a rush to secure our mortgage that we take an eye o...

Hi All, Thanks for tuning in again, this time to Episode 14. Paddy Delaney (QFA, RPA, APA, BBS) outlines the top 7 reliefs, allowances and benefits to claim your full tax benefit, and get the money you are due into your bank account! Below are some links to further useful information.......enjoy! Paddy Delaney. Your Personal Finance Informer! www.informeddecisions.ie contains all the links to all...

Hi There! Life Cover, Life Insurance, Life Assurance......call it what you will, the fact is that there are many ways we can put this in place, and many different types of cover to choose from. Which is the best Life Cover for me? In this episode Paddy shares information regarding the most common types of cover available, and some of the key differences between them, to enable you make an informed...

Hi there! Investments can be ferociously complex things, and made even more complex by some, for their benefit and not yours! This episode of the Informed Decisions Personal Finance podcast shares some basic insights to the 5 main Asset Classes, giving you a working understanding of what they each are and what sort of volatility they each tend to carry. Valuable listening whether you are a newcome...

Hi Guys,   Thanks for tuning in to Episode 11 of the Informed Decisions Podcast. In this episode we will share with you one of the largest and most unknown potential tax that cohabiting couples can be faced with, and a few pointers on your options to help ensure it's never an issue for you. Please continue to share on social media and spread the word, our listener numbers are increasing every mont...

Hi, Thanks for tuning in again! In previous episodes we have discussed the basics of emergency funding, clearing debts and having awareness of where our money goes. Assuming that you have those things in order (or on the way to being in order!) here is a useful podcast episode sharing the key things to consider before you invest for the medium or long term. While we will delve into 'asset allocati...