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  • 7 Easy Steps To Invest Like Warren Buffett
    Super User Latest from Super User Money Is What Keeps Couples Together Not Love Do you need financial advice More in this category Do you need financial advice Money Is What Keeps Couples Together Not Love back to top Mortgage Protection Life Insurance Get a Quote Family Protection Life Insurance Get a Quote Serious Illness Cover Get a Quote Most Popular Warning to Co habiting Couples against Unforeseen Tax Bills in the Event of Death Ireland s 140 000 co habiting couples should be aware of potential tax liability when it comes to Life Cover claims Most co habiting couples are unaware of the potential tax implications for them on claims of Life Cover policies They can however legitimately manage the potential tax implications on their Life cover claim Written on Wednesday 27 November 2013 11 44 in Blog Tags Low cost life cover Life insurance personal finance Term assurance mortgage protection money pension retirement planning mortgage insurance cheap life cover Cheap life insurance investing financial advice financial planning choosing a financ Read 5620 times Tighten Santa s Belt This Christmas Christmas is an exciting time of year but many of us are short on time and money If you re trying to tighten Santa s belt this Christmas follow our Christmas shopping tips this festive season Leave the credit card at home and bring cash or your debit card instead Credit card Written on Wednesday 13 November 2013 15 39 in Blog Tags Low cost life cover Life insurance personal finance Term assurance mortgage protection money pension retirement planning mortgage insurance cheap life cover Cheap life insurance investing financial advice financial planning choosing a financ Read 2909 times Start Earning Money From Your Passion Seven entrepreneurs share their lessons strategies and mistakes By KIMBERLY PALMER Imagine working a full

    Original URL path: http://lowcostlifecover.ie/blog/item/17-7-easy-steps (2016-04-26)
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  • Do you need financial advice?
    Monday 27 May 2013 11 38 Tweet Published in Blog Super User Latest from Super User Money Is What Keeps Couples Together Not Love 7 Easy Steps To Invest Like Warren Buffett More in this category 7 Easy Steps To Invest Like Warren Buffett back to top Mortgage Protection Life Insurance Get a Quote Family Protection Life Insurance Get a Quote Serious Illness Cover Get a Quote Most Popular Warning to Co habiting Couples against Unforeseen Tax Bills in the Event of Death Ireland s 140 000 co habiting couples should be aware of potential tax liability when it comes to Life Cover claims Most co habiting couples are unaware of the potential tax implications for them on claims of Life Cover policies They can however legitimately manage the potential tax implications on their Life cover claim Written on Wednesday 27 November 2013 11 44 in Blog Tags Low cost life cover Life insurance personal finance Term assurance mortgage protection money pension retirement planning mortgage insurance cheap life cover Cheap life insurance investing financial advice financial planning choosing a financ Read 5620 times Tighten Santa s Belt This Christmas Christmas is an exciting time of year but many of us are short on time and money If you re trying to tighten Santa s belt this Christmas follow our Christmas shopping tips this festive season Leave the credit card at home and bring cash or your debit card instead Credit card Written on Wednesday 13 November 2013 15 39 in Blog Tags Low cost life cover Life insurance personal finance Term assurance mortgage protection money pension retirement planning mortgage insurance cheap life cover Cheap life insurance investing financial advice financial planning choosing a financ Read 2909 times Start Earning Money From Your Passion Seven entrepreneurs share their lessons strategies and

    Original URL path: http://lowcostlifecover.ie/blog/item/16-finanical-advice (2016-04-26)
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  • Warning to Co-habiting Couples against Unforeseen Tax Bills in the Event of Death
    that this is an issue which will become increasingly prevalent in years to come because according to the CSO statistics co habiting couples are by far the fastest growing type of family unit in Ireland Figures rose from 77 600 in 2002 to 121 800 in 2006 accounting for 11 6 of all family units and this has since risen to 143 000 in 2011 Anthony went on to say The tax position of a Life cover policy in the event of death is naturally not something many of us actively think about For married couples this doesn t present a problem as there are no tax liabilities resulting from inheritances between them regardless of the value of the assets The same unfortunately doesn t apply to co habiting unmarried couples He stated As a cohabiting couple and as such not married or a civil partner you may be liable to Inheritance Tax That s because you will be treated as strangers under tax law and more to the point the tax exempt threshold is only 15 075 Inheritances over this amount are subject to tax at 33 As an example let s say the deceased partner pays for the Life Cover of 400 000 solely themselves from their own bank account As part of a cohabiting couple you as the surviving partner and based on the terms of the will received the value of the Life cover policy of 400 000 You could now be liable for Inheritance tax of a whopping 127 025 25 400 000 15 075 384 925 x 33 127 025 25 Even if you have equally paid for the Life cover policy between you from your joint account as the surviving partner of a cohabiting couple if you are paid the policy proceeds of 400 000 you could still be liable for a tax bill of over 61 000 400 000 2 200 000 15 075 184 925 x 33 61 025 25 The Revenue will look for evidence to determine who has been paying the premiums If it is clear that the premiums were paid from a joint bank account and contributed to by both parties then it is deemed that 50 of the proceeds have been inherited So you face a lesser but potentially still substantial tax bill It may not seem fair or equitable but it s the law Anthony has some good news on this potentially worrying issue for co habiting couples Thankfully there is a simple and legitimate solution to this potential tax liability on the Life cover policy proceeds whereby each partner pays for the other partner s Life assurance policy from their own bank account and income This is known as life of another in industry parlance In this scenario where one partner has paid the others premiums and vice versa and if the other partner died there would be no tax liability as it would be deemed that the surviving partner paid for the benefits and

    Original URL path: http://lowcostlifecover.ie/blog/item/31-warning-to-co-habiting-couples-against-unforeseen-tax-bills-in-the-event-of-death?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=f45ff34fe2d15a753419ed7d3c960aa091fa526d (2016-04-26)
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  • Tighten Santa’s Belt This Christmas
    track of all your expenses Avoid shopping at the last minute and try to arrange to go shopping when it s quieter Shops are a lot quieter late at night or first thing in the morning Leaving yourself plenty of time and avoiding busy shopping times will make your Christmas shopping a bit easier Try a new approach to buying presents You could agree a spending limit with your friends and family or try an option like a Secret Santa so each person only has to buy one present Or if there is a special item that you really want to give to someone consider splitting the cost with a friend or relative Keep an eye out for coupons or deals on gifts wherever you can Do your research If you have a present in mind shop around and compare prices both in store and online Keep your eye out for discounts and promotional offers If you do plan to do some shopping online be careful What might seem like a great deal could be more expensive when you add on delivery charges so be sure to take them into account Make sure you leave plenty of time for delivery too Don t get caught out by credit In the run up to Christmas personal loans and in store credit may look like attractive options especially for larger purchases like PCs electrical equipment or furniture where stores may offer you 0 finance for a period of time Before signing up to store credit or a personal loan consider the full costs and not just the monthly repayment Would the repayments still be affordable if your income dropped for any reason or if you had an unexpected expense Be realistic with your food shopping It can be easy to buy more

    Original URL path: http://lowcostlifecover.ie/blog/item/29-tighten-santa-s-belt-this-christmas?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=eef1ed6d5fdfbf7c6aad3f6c5ce60ec7dc126d09 (2016-04-26)
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  • Start Earning Money From Your Passion
    Now his series Finance 4 Kidz contains 20 books that explain concepts such as scarcity opportunity cost and risk and return in terms that children can understand Especially nowadays because of so much fraud concepts such as risk and reward should be taught in elementary schools Then they ll realize if something sounds too good to be true he says Dheeriya is currently working on new books on hedge funds and finance for teens 4 Create the community that you wish already existed Six months after she graduated Emily Miethner 24 started NY Creative Interns which includes hosting events and blogging about career tips I wanted a group that connected awesome creative professionals with awesome interns and entry level people she says She and her partner soon found sponsors and built their network all while Miethner held down her full time job as a community manager for another website in New York City We started charging for events when we realized This is really adding value to people s lives I decided I think I can make this into a real business says Miethner She continues to plan events and build the blog and network while maintaining her full time job 5 Leverage the skills and connections you already have Megan Moynihan 27 was working for a big public relations firm when she decided that she wanted to pursue a more mobile lifestyle and build a career that would let her work in Wyoming during ski season and New York the rest of the year I had taken entrepreneurship classes in college but I knew I needed experience first she says of her decision to first work for a firm before launching her own agency While still employed at her firm Moynihan started taking one day off a week to work for outside clients as well as pitch new ones She started meeting potential clients through friends and now has left her firm to pursue full time self employment 6 Get help from friends Erica Sara 34 was working full time as a consultant for Coach when she started designing her own jewelry and spreading the word through friends As a runner herself she created race bling jewelry to commemorate races such as marathons or inspire the wearer to run harder She also created mantra jewelry featuring inspiring words or phrases as well as jewelry for mothers including the popular generation necklace which features the names of multiple generations of family members I had friends hold trunk shows says Sara of her early days before she turned her creations into a full time business She also built up her customer base through her own running blog as well as Facebook Twitter and Instagram accounts Being able to sell my own designs felt more gratifying and more real she says even though she continues to work 12 hour days or longer 7 Seek help online James Mundia 27 had been reading Ramit Sethi s blog IWillTeachYoutobeRich com since he graduated from

    Original URL path: http://lowcostlifecover.ie/blog/item/27-seven-entrepreneurs-share-their-lessons-strategies-and-mistakes?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=b7e902c4c9622ebe959330a20f71f0a6a0741c89 (2016-04-26)
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