Informed Decisions Independent Financial Planning & Money Podcast
309 episodes - English - Latest episode: 28 days ago - ★★★★★ - 3 ratingsTake control of your financial future by joining us on Ireland's Independent & award-winning Investment & Retirement Planning Podcast, with Paddy Delaney (QFA RPA APA).
Join Paddy & guests as they cut through the noise, nonsense and smoke-n-mirrors of financial services in Ireland. We want you to avoid costly mistakes and to make informed financial decisions in your investments and retirement planning.
Paddy Delaney QFA RPA APA
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Episodes
Podcast109: The Real Impact Of Budget 2019 (Budgety McBudget-Face)
October 15, 2018 15:37 - 20 minutes - 27.8 MBIn 2016 The Natural Environment Research Council in the UK invited the public to name their latest scientific research vessel, which was costing £200m. This vessel was going to be doing (and currently is doing) really insightful and exploratory work, making new discoveries and so on. Really important, noble and global research for the good of the natural world. In the initial stages the likely suggested winner was names such as 'Endeavour' and 'Poseidon' etc. Which made sense. However you c...
Podcast 108: When Investing 'Risk Questionnaires' Are Dangerous
October 08, 2018 20:13 - 21 minutes - 28.9 MBIf you have ever invested money in a fund or collective fund with a 3rd party, either through a pension or through an investment structure (product or platform) you will most likely have already completed a 'Risk Questionnaire' or 'Risk Survey'. It may have formed part of the bigger conversation about your investment goals, or it may have been the sole basis on which you made your investment decision. If it was the latter than there may be cause for some concern. Welcome to Ireland's only ...
Podcast107: The State Pension....Are You Swimming In The Nip!?
October 01, 2018 06:54 - 21 minutes - 29 MBAre you swimming in the nip dear reader? This week we share some ideas with you about a what the State Pension looks like currently, how much we might get, how we go about qualifying for it, and how the level of income we have from 'guaranteed sources' when we do retire determines how we can access other retirement funds we have set for ourselves.......so a nice simple one!! Welcome to Ireland's only dedicated and straight-talking Financial Planning and Personal Finance Blog & Podcast. W...
Podcast106: Is Investing in EII Scheme A Viable Option For Me?
September 24, 2018 19:38 - 20 minutes - 28.6 MBThis week we are finally getting round to a topic that has been on 'the list' for quite a while. One of the main benefits of pensions that 'the industry' of financial services harks on about a lot is the tax relief that is available on contributions, and that is certainly true. Having said that what is not true is that pensions are the only tax effective vehicle in which to invest in this fine country of ours, there is also (among a handful of others) the Employment and Investment Incentive ...
Podcast105: A Huge Tax Saving On Investments - A Tale Of 2 Cities
September 16, 2018 18:45 - 18 minutes - 24.9 MBCharles Dickens' novel about Dr. Manette, his 18 year incarceration in Paris and subsequent relocation to London to spend time with his daughter Lucie, and all the messing that apparently ensued is meant to be quite a read. I haven't managed it myself but am reliably informed that I should. Some day I will, as soon as I have read every investment and retirement planning book in existence! A Tale of 2 Cities was set against the back-drop of the run-up to the French Revolution and one could po...
Podcast104: An American Perspective....With Eric Brotman
September 10, 2018 21:36 - 47 minutes - 64.7 MBWelcome to Ireland's only dedicated and straight-talking Personal Finance & Financial Planning Blog. We are on a mission to make a positive difference and to help people take control of their finances in a meaningful way. If you have a suggestion, question or feedback for us please do drop me a mail here, love to hear from readers. This week we are joined in conversation with Eric Brotman from US-advisory form Brotman Financial. Eric shares with us many ideas and helps answer many questio...
Podcast103: Real Returns: Invest in Low Cost Funds Or A Pension
September 03, 2018 21:50 - 23 minutes - 31.7 MBThis week we are hoping to answer several questions we have had from listeners in the past 6 weeks or so. It has been put to me that it would be valuable to share our thoughts and to explore whether it would be more beneficial to invest in a low-cost investment plan, achieve a decent level of return and pay whatever tax is due on withdrawal, or to invest into a pension, achieve the same level of return, pay what tax is due on withdrawal.......on the face of it, to me at least, it seems there...
Podcast102: The 4% Rule In Ireland....
August 27, 2018 20:08 - 24 minutes - 33.9 MBThis week we are taking a closer look at the fabled '4% Rule' relating to drawing-down on investment or retirement pots. This particular 'rule' gets plenty of airtime in the US, UK and many other countries but from my own experience very few investors, pension holders here in Ireland seem to have heard of (and indeed even many advisors!). Let's try fix that! We are not going to challenge this 4% Rule today, merely we'll determine what it is, how it is relevant and how to go about figuring ou...
Podcast101: Using Trusts In Your Financial Planning
August 16, 2018 16:07 - 18 minutes - 24.9 MBWe have recently been asked to share ideas on how an individual (or couple) can ensure their investments/estate/assets are properly distributed and managed once they die. It is an area that is of real value and interest to both the people who may be 'receiving' and indeed obviously to the people that are 'giving' it! While Trusts are an area that we have touched-on in previous episodes we would not claim to be legal experts on the matter. For that reason we have invited Pauric Druhan, a qu...
Podcast100: The Guy Spier Interview
August 13, 2018 17:25 - 1 hour - 98.3 MBWelcome to Ireland's only dedicated Financial Planning & Investing Podcast & Blog. We are on a mission to do things differently and to actually help people make decisions that help them achieve the results (& life!) that they want to achieve. This week we have a rather special guest, Mr. Guy Spier. Guy is the fonder of, and has been been the sole decision-makers of the Aquamarine Investment Fund for 2 decades. This is nothing outlandish however the fund has an impressive return rate for in...
Podcast99: When Simplicity Rewards Investors
August 06, 2018 20:02 - 17 minutes - 23.9 MBIn a meeting last week I was asked why my philosophy toward successful long term investing was so simplistic and boring. I was delighted! For context the people I was working with had understood me to have been in the financial planning profession for 13 years (correct) and that I was a 'finance expert' (marginally correct!). Based on these two bits of information they had concluded that I would have a very complex, very elaborate, and dare I say it, very confusing approach when it comes to ...
Podcast98: Can A Couple Retire In Ireland With €1million?
July 30, 2018 21:42 - 27 minutes - 37.7 MBAs a young boy growing up many years ago a million euros (or pounds as it was!) always sounded like an inexorably large amount of money. If you had €1m you were officially a millionaire and were in our eyes elevated to a stratospheric status.......The same can't be said anymore though! While it no doubt is still a significant amount of money by anyone's standards the sheen of being a millionaire has dampened thanks to inflation mostly! Nevertheless we are are today going to explore how and ...
Podcast97: The Mexican Fisherman........
July 23, 2018 20:04 - 10 minutes - 14.3 MBWelcome to Ireland's only dedicated Financial Planning & Personal Finance Blog & Podcast. Last year we won the award of 'Ireland's Best Finance Blog'......we have re-entered that same competition again this year, and will hear how we get on over the coming couple of months.....this might just be akin to the 'difficult second album'!! As we approach our 100th Podcast we have really tried to focus on the areas that our readers and listeners get in touch with us about and who come to us for hel...
Podcast96: Planning for company directors in Ireland....Party-Time!
July 16, 2018 21:40 - 21 minutes - 29.7 MBWelcome back to Ireland's award winning Finance Blog & Podcast. Delighted you have joined us! Our mission is to help people avoid mistakes and help themselves to live successful financial lives. Our big aim is to ultimately change how financial advice is done here in Ireland, to put the focus back on what you want to achieve, not the products that only really serve as the tools to enable you to do it! This week we are exploring a much-covered topic. It has not been much-covered by us but i...
Podcast95: The 3 Characteristics Which Suggest You Should Not Invest In Equities....
July 08, 2018 08:17 - 16 minutes - 23.2 MBThere was a large scale research study done by Gallup Consulting Group (a hugely credible global research company) this year which shows that the majority of people under 35 years of age do not own any form of shares/equities through investments, pensions or savings. This is in comparison to 2007 when the majority of people under 35 did own some for of equities. The research also demonstrated that the majority of people over 35 years of age held them in 2007 and that today the majority of pe...
Podcast94: Growth Or Value Investing, Which Is Best??
July 02, 2018 21:18 - 19 minutes - 26.2 MBGrowth and Value Investing are both around a long time as an 'investment strategy', and there are compelling rationale for investing in either, there are many fans of both, yet there is also quite a lot of regular investors that have no real familiarity with either. We aim to fix that even if ever-so-slightly in this episode. We will endeavor to explain a few key things about this 'earth-moving' topic......! 1) What is Value Investing? 2) What is Growth Investing? 3) Who does either or b...
Podcast93: The Bid That Could Change Your Life....!
June 25, 2018 20:15 - 15 minutes - 20.8 MBNobody likes to be suffering from something that they aren't aware of, particularly if it is a nasty and invasive something that has a long term impact on their well-being, & that could do so in a pretty significant way.......so this week we are going to explore and try to diagnose if anyone here is suffering from a nasty dose of Bid-Offer Spread on their investment or pension planning. Welcome back to Ireland's dedicated Financial Planning & Money Podcast/Blog. We are on a mission to help...
Podcast92: Develping A Career in Financial Services....with Hugh Murray
June 16, 2018 13:40 - 31 minutes - 43.5 MBThanks for joining us here on Ireland's only dedicated Financial Planning Podcast & Blog. We are on a mission to help you get what you want, and to help you make decisions which will help you lead a successful financial life, and to avoid costly mistakes. This week we are joined by Hugh Murray, founder of Dolmen Recruitment in Dublin. Hugh has many years experience working with individuals and firms in Financial Services here in Ireland. He is well placed to share the latest trends and opp...
Podcast91: The Emmet Savage Conversation.....
June 11, 2018 15:05 - 52 minutes - 72.1 MBWelcome to Ireland's dedicated investing and Financial Planning Podcast & Blog. We are on a mission to enable our listeners to help themselves to a better financial life. Thanks for checking us out! It is not every week we get to chat to one of the most successful investors of recent times, who has also founded a fintech firm (Rubicoin) that is changing how investors go about their investing! In this 45-minute interview we explore Emmet's own back-story, the origins and successes of Rubi...
Podcast90: Should I Own Bonds? A 3-Portfolio Study
June 04, 2018 17:06 - 23 minutes - 32.3 MBFor decades Bonds have been touted as the elixir to an investors' nervous tendencies when investments hit volatility. If you look hard enough it will become clear that the only rationale for having Bonds in your investment portfolio is to help you cope when the market tanks again. Whether it is an existing pension fund or a personal investment you have then you may already have a shed-load of Bonds in there, and you may be very wise in doing so, or not! We conduct a study of 3 very different...
Podcast89: Financial Planning With The End In Mind
May 28, 2018 16:00 - 17 minutes - 23.6 MBIf we were to take a close and honest look at it very many of us, I'm guessing, would admit that we have not given much if any consideration to where our journey in life might take us, or indeed where we WANT it to take us. For some reason we don't accept the fact that we actually do have some control over it, some. Welcome back to Ireland's dedicated Financial Planning & Personal Finance Blog & Podcast. We are on a mission to help as many people here in Ireland to achieve what is importan...
Podcast88: My Worst Investment Ever....And What We Can Learn!
May 20, 2018 07:52 - 18 minutes - 26 MBThis week in Ireland's dedicated Financial Planning & Personal Finance Blog & Podcast we take a look at what has been my worst investment ever, but also my greatest lesson as an investor. I am an open book, and happy to share this with you, in the hope it may help others avoid the same mistake! It revolves around a company share scheme that I was involved in 10 years ago, and a cheque which I received only last week for a grand sum of €0.26 (yes 26 cents!) which was what I got back, in total...
Podcast87: Just Start......
May 13, 2018 18:29 - 7 minutes - 10.4 MBThis week we are trying to share a simple message, an appeal to you, one which we hope will help move things forward for you in a positive direction. When we procrastinate about or delay committing to positive action we will always manage to rationalise it in our own heads, always! We are masters at it! Some of us are more prone to this than others, personally it's one I regularly struggle with. No matter how blatant our delaying tactics are we will quickly come up with an excuse, a ration...
Podcast86: Small Cap Investing...When Small Is Big
May 07, 2018 17:52 - 20 minutes - 28.8 MBWelcome back to Informed Decisions, Ireland's only dedicated Financial Planning Blog & Podcast. Hope you are winning! When it comes to investing in Ireland there are many folks that have no interest in what they are investing in, provided it makes them a decent return and it doesn't disappear over-night! Others like to take a closer look at their options, to think about portfolios and what they should be doing. They might like to identify what will work for them as a suitable portfolio, to...
Podcast85: The 4 Big Pitfalls When Buying A Home
April 30, 2018 19:51 - 25 minutes - 35 MBWe don't ever go out of our way to be pessimistic on this blog, in fact we tend to be quite the opposite, having a firm belief that optimism is the only valid way when it comes to investing. However, when it comes to borrowing, which as we all know is essentially the reverse of investing, it pays, quite literally, to be even a little pessimistic! If you are new to our website then you are truly welcome, thank you so much for giving us a chance to help create a positive financial future fo...
Podcast84: Should I Buy Gold?
April 22, 2018 20:24 - 19 minutes - 27.5 MB"Gold gets dug out of the ground in Africa or someplace. Then we melt it down, dig another hole, bury it again and pay people to stand around and guard it. It has no utility. Anyone watching from Mars would be scratching their head" Those remarks about the logic of owning gold as an investment were made by someone far more experienced and accomplished in the world of investing than I, and who has been recognised over the past 4 or 5 decades as one of the single most successful investors of...
Podcast83: Peer 2 Peer Lending....What You Should Know
April 13, 2018 21:57 - 37 minutes - 51.8 MBWelcome back to Ireland's dedicated Financial Planning Podcast & Blog. We have had a lot of enquiries about Peer 2 Peer Lending over the past few months, so we thought what better way to find out the detail than to interview a man that has been involved in it for many years. Oli Cavanagh is co-founder of an Irish Fintech 'Fender' which is focused on growing the Peer2Peer marker in Ireland. We met with Oli to learn about P2P lending, how it works, what to watch-out for and to hear about t...
Podcast 82: A Last Resort......Section 72
April 08, 2018 21:05 - 20 minutes - 27.6 MBIn Blog 61 we mentioned Section 72 plans and said the following....These are creations of the Financial Services industry endorsed by the Revenue and are sold to people as a means to reduce or indeed eliminate a potential Inheritance or Gift Tax Bill down the road. They cost money and I am told are not as much fun nor rewarding as giving the money to loved-ones while you are alive! Having said that they can work very well for some people in building an effective Financial Plan and planning t...
Podcast81: Optimism Is The Way.......Sunday Times Article April Fool's Day!
April 02, 2018 15:40 - 9 minutes - 13.1 MBOptimism is the madness of insisting all is well when we are miserable. These words are reported to have come from Voltaire, the acclaimed French writer and philosopher. I am neither a Frenchman or a philosopher but I would like to put forward the suggestion that Optimism is actually the only way! When backed by concrete evidence it is the only rational belief to have, particularly so when it comes to investing your money over the long term. This piece aims to convey the rationale fo...
Podcast80: Humans Under Management with Andy Hart
March 22, 2018 21:34 - 48 minutes - 66.4 MBAndy Hart is one of the UK's highest profile Financial Planners. He hosts his own Podcast, runs a successful Financial Planning firm, and is the organiser of the what is rapidly becoming UK's premier Financial Advisor & Planner Conference (Humans Under Management). And to top it all off he has invited me to share some ideas at his upcoming Dublin Conference.....so I'm super excited about that......We chat with Andy Hart of UK Financial Planning firm Maven Advisers to discover what exactly Fi...
Podcast79: Saving For A Deposit Over 5 Years.....
March 19, 2018 22:15 - 19 minutes - 26.2 MBRecently we had a few questions from people who were saving for deposits for their first homes. This week we had another, from Daniel (surname not shared for obvious reasons!), who having read our piece about the impact of inflation on deposit values over the medium term has been moved to get in touch and ask us what are the alternatives! Did you partake in our 2 minute survey yet?? If not then please please do, we would really value your opinion and help us shape what we cover on the blo...
Podcast78: Feedback & Presents
March 12, 2018 22:11 - 8 minutes - 11.7 MBRegular readers of the Blog and listeners of the Podcast will know that we are on somewhat of a vocation here at Informed Decisions! We are striving to help people get what they want, to take control of their own financial futures. We are not doing this for the applause (though that is nice to get it when it comes!). We are doing this to make a meaningful and positive difference in the lives of those we touch. We aim to connect meaningfully with you. We could of course just blindly go and ...
Podcast77: Losing Power With Deposit Accounts
March 04, 2018 21:54 - 16 minutes - 22.9 MBIt is fierce common lately to hear the financial industry give out about the rates of interest available through bank deposit accounts and to recommend that you should invest your money into XYZ Fund (which just so happens to generate a nice chunky commission for whoever is doing the recommending!). It's funny, they weren't saying the same when equity markets were falling 30% per year and deposit rates were up at near 5% per year! (although they should have been!) We will explore in this e...
Evidence Based Investing .....with Robin Powell
February 20, 2018 19:28 - 53 minutes - 73.7 MBThis week we get to chat with a guy who is making quite a name for himself. He is advocating for greater investor education, in particular with regards to the long-running debate on the value of Active Fund Management versus Passive or Index investing. This is the latest episode in Ireland's only dedicated Financial Planning & Investing Podcast.....available on iTunes, Podcast Stitcher, Podcast Addict and all other podcast players. If you find our podcast or website of any use then we wo...
Informed Decisions Financial Planning Business Success Series 1
February 17, 2018 20:46 - 41 minutes - 76.7 MBWelcome to Informed Decisions' very first 'Business Success Series'. Our main focus over the past 18 months has been Financial Planning and all aspects of Personal Finance. By all means have a look at our back-catalogue here. We have a huge interest here too in the success of others, and in business successes. For that reason we will bring you 5 or 6 Business Success stories over the course of 2018, to hear how they succeeded and the financials behind their success. This week we are joi...
Podcast74: How To Inherit A Home Tax Free......?!
February 12, 2018 20:01 - 20 minutes - 38 MBIt is fair to say that the Financial Advice industry in Ireland has a reputation for forcing products on people, only making money when they sell 'policies'. The truth is that advice has so much more to offer, if it is done right! That is where Financial Planning seems to come into play. A Financial Planner can still sell you policies I guess, however the onus of a Financial Planner (if they are really behaving like a Financial Planner) should be on exploring your future plans, and helping y...
Podcast73: What Should I Do With A Raise
February 04, 2018 21:06 - 23 minutes - 42.6 MBAccording to Central Statistics Office the average salary in Ireland (2016) of a full-time employee was a 'grocery-shop' more than €45,000. Knowing that figure might make you feel that you're doing well or it might make you feel like making progress on the income you are bringing in. In reality this is the main thing for many of us as we go through our careers ,our own sense of value and worth can unfortunately rest squarely on the amount of money we are paid to do a job for someone else! It...
Podcast72 - They Died With Too Much Money.....So They Did!
January 28, 2018 19:39 - 18 minutes - 33.6 MBWelcome back to another edition of the Informed Decisions Blog, Ireland's #1 Financial Planning Blog & Podcast! This week we will take on an obscure topic, a topic which is often left till the bitter end before we give it consideration! When it comes to focusing on your Financial Planning, Financial Independence or 'building wealth' it pays, quite literally, to begin with the end in mind! Speaking of Financial Planning I am delighted to share with you that the 'My Money Matters' Programme ...
Podcast71: The Greatest 'Get-Rich-Quick' Scheme Ever....
January 22, 2018 20:11 - 18 minutes - 34.3 MBWe all love an oul get-rich-quick scheme don't we!? Even if we know it's far too good to be try we will 'click' through or read beyond the head-lines, we just want to know more, 'sure its only looking'.......that is what has you reading this right now! Well I am on a mission to train you out of such inquisitiveness, this is lesson 1!! (and it's totally free!) Imagine a perfectly sane and prudent nation of people getting swept up into a frenzy of buying, trading and bargaining of a particul...
Podcast70: Should I Invest in Commodities.....Moooooo!
January 14, 2018 21:09 - 19 minutes - 35.3 MBOxford dictionary define a commodity as 'A useful or valuable thing'. Another definition they put out there is 'A raw material or primary agricultural product that can be bought and sold, such as copper or coffee'. Whichever way you look at it, be that a useful and valuable thing, or indeed a basic product, Commodities have found their way into many many pension and investment portfolios. Apparently as many as 4,000 years ago our Neolithic ancestors here in Ireland made use of cattle, for ...
Podcast69: Is Euro Cost Averaging A Good Thing? (Chicken & Egg Version!)
January 07, 2018 22:02 - 21 minutes - 38.9 MBHey, We've spoken about volatility here before, and we have put it on a bit of a pedestal on account of it's hugely positive influence on the long term saver/investor who embraces it and recognises it as the huge ally it is. Euro Cost Averaging (Or Egg-Cost-Averaging as you'll see in a moment) is an outcome of these fluctuations. Euro-Cost-Averaging is just one of the many aspects of Financial Planning in Ireland, which goes some way to explaining why our Financial Planning and Money Po...
Podcast67: Why Resolutions Don't Work (& What To Do Instead!)
January 01, 2018 13:10 - 20 minutes - 38 MBWe kick of 2018 full of optimism, gratitude and excitement for the year ahead. After what was hopefully a nice Christmas break we all are raring to go, and apparently as many as 50% of us (myself included!) feel that customary urge to set some resolutions for the year ahead. The top resolutions that we make (the 50% that do!) are; weight loss, exercise related, smoking/alcohol related and money related. So even as a broad estimate this suggests that 15% of the population in Ireland try to ...
Podcast #67: How Much Could I Save By Switching Mortgage? The Big Switcheroo!
December 18, 2017 17:47 - 21 minutes - 39.8 MBWhat do most of us have......really really desperately wanted it initially..........but now we really really want to get rid of (a clue, it's not your partner!).................the answer is of course our mortgage! We have covered mortgages a few times on here, including the ever popular 'should I clear my mortgage or save for the future' episode. This week we are going to ramp up the pressure on existing mortgage holders, we are going to hold a mirror up to them and their habit, and indee...
Podcast #66: Financial Well-Being with former Top Advisor Jason Butler...
December 08, 2017 22:38 - 51 minutes - 93.6 MBWelcome to another episode of Ireland's #1 Financial Planning Blog & Podcast. This week we have a cracking interview with UK's Jason Butler, where we discover some tips and guidance on achieving financial well-being, getting our lives the way we want them to be. Jason has super insight on this aspect of life, and is now living his message.......most of us will hopefully take a few nuggets from this interview (I'm not taking any credit there!). Be sure to check out our wee website, our ...
Podcast #65- The War On Commissions........(Green-Grocer Version!)
December 03, 2017 19:46 - 17 minutes - 32.8 MBThis week we are aiming to share some slightly different insights, and reveal some major news in the world of Financial Services in Ireland! Last week the Central Bank released a proposal which is due to come into force next year (subject to Dept. of Finance), which is aimed at maximising the protection consumers get when it comes to buying any financial products....we have dissected all the Publications released by Central Bank to determine the details, and it's an interesting one! Firstl...
Podcast #64: The 5 Simple Things....(I Promise!)
November 14, 2017 21:44 - 13 minutes - 24.7 MBWelcome to Ireland's #1 Financial Planning Blog & Podcast. Our purpose is to help you make informed decisions with your money, and importantly to avoid some costly mistakes that they rest of us have made! We are aiming to make this THE home of Financial Planning ideas and insight for normal people in Ireland! This week, after last weeks' cracker about clearing your loans at 32, we are back with a bang, and what more do we love than a good oul list! Which is ironic seeing as only recent...
Podcast #62: When Jimmy Met Aggie......Life-Styling
November 12, 2017 15:18 - 20 minutes - 38.4 MBWelcome to Ireland's #1 Finance Blog & Podcast. We are here to help you make informed decisions with your money...and ultimately to bring true Financial Planning to Ireland's normal people! This week we are taking a little peep into the magical world of Jimmy & Aggie.....how they have different views on life and money, and ultimately how they went their separate ways with regards their pension options, and how that panned out for each of them! Aggie's Story: Aggie is in her mid-30's, a...
Podcast #63: Mortgage Free By 32!! The '2 Cup House' Interview with Claudia Pennington
November 03, 2017 21:54 - 38 minutes - 71.5 MBThis week we are chuffed to share with you the story of the guys at '2 Cup House' in USA. They were living the life of modern trappings, and one day decided that they wanted a different route. It may not be for everyone but it is a great story that proves if you want to achieve something, and are willing to apply yourself if is often very achievable! As promised in the episode there are a few snaps below of what their home looks like, and here's a link to their Blog. Hope you enjoy th...
Podcast #60: Have You Made 'The Empty Promise'??
October 30, 2017 22:28 - 25 minutes - 46.6 MBThis week we will take a look at the empty promise that we hear so many people make to themselves and to their loved-ones! This empty promise is akin to playing Russian Roulette with your loved-ones' financial well-being.....if you are a selfish gambler then perhaps its OK, for the rest of us it simply isn't, no matter what hat we're wearing! What in the blue-blazes are we talking about? We are talking about the gamble we hear so often, whereby a couple are taking out a new mortgage, and w...
Podcast #61: The Emma Kennedy Interview (Mortgages. Kids & Money. Pension Reforms!!)
October 30, 2017 22:07 - 48 minutes - 88.6 MBWelcome to our 61st edition of the informed Decisions Financial Planning Blog & Podcast. Did we mention we were recently voted Ireland's best?? Yes, we are Ireland's #1 Finance Blog & Podcast...! To celebrate our 61st Podcast we are joined by the one and only Emma Kennedy, journalist & up to recently Editor of Money section in Sunday Business Post. We get to explore Emma's thoughts and experience in regards lots of topics, Kids & Money, Mortgages, Pension Reforms and the make up of Finan...