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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=5617535638922d50660f8520df0dcf10e9d4b5d5 (2016-04-26)
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  • Do I need illness and life insurance?
    of ovarian cancer at age 56 Mrs Smith then decided to take a predictive genetic test to see whether she carried the mutated genes On confirmation that she did carry the gene responsible for breast cancer Mrs Smith took the incredibly difficult decision to take preventative measures through bilateral mastectomy surgery to remove both breasts According to the medical statistics while only about 5 of breast cancers can be directly attributed to a family history of breast cancer if you are in this particular risk category then the chances are unfortunately high that you will develop breast cancer So Mrs Smith realised there was a risk to her and did something brave to reduce this risk Her risk of developing breast cancer is now reduced from almost 90 to around 10 We can all reduce our own individual risk of developing cancer e g stop smoking lose weight eat more fruit and veg drink less alcohol etc But the crux is that whilst we can reduce our risk we cannot eliminate it altogether Mrs Smith still has a 10 chance of contracting breast cancer notwithstanding her surgery However Irish Life can help Mr Mrs Smith do something positive to protect her family if the unfortunate happens In our view they both need cover both life and illness cover more than ever now The good news is that they would be most likely acceptable risks although Mrs Smith will probably have an exclusion for breast cancer Most people would think that Mr Mrs Smith s opportunity to get cover had passed when actually they need it now more than ever In the last 7 years Irish life has paid out 590 specified illness claims for malignant breast cancer to a value of 38 9m The youngest claimant was just 29 years

    Original URL path: http://lowcostlifecover.ie/blog/item/22-do-i-need-illness-and-life-insurance?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=02495fe93854e60bde15886eee2bec0fa5cd70b6 (2016-04-26)
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  • Choosing a financial advisor
    time you deal with a financial advisor they must give you their Terms of Business which explains their authorised status and a description of the services they offer It will also explain whether they are tied to one financial services firm for any products they advise on Mixed status The number of firms an advisor deals with may vary from one type of product to another For example a financial advisor might offer pensions and investments from six financial services firms but may be tied to one insurance company when selling home insurance Check if your advisor is authorised Not everyone who calls themselves a financial advisor is authorised to give you financial advice Some may even be working illegally You can check whether an advisor is authorised by checking the Central Bank s registers website Always make sure that the advisor you use is authorised to give financial advice before handing over your money or signing any agreement If they aren t regulated and things go wrong you may not have access to complaints procedures and compensation schemes For example the Financial Services Ombudsman cannot investigate complaints against an unauthorised firm or advisor All financial advisors that are authorised have to meet the requirements of the Central Bank s Consumer Protection Code when dealing with you It is important that you take some time before choosing an advisor and look at all your options You want to be confident that you choose the right type of advisor to help you make important financial decisions You need to find an advisor who Is authorised Listens to you and answers questions openly Has experience of situations like yours Is willing to take time with you and does not put you under pressure May be willing to negotiate fees and commission so

    Original URL path: http://lowcostlifecover.ie/blog/item/19-financial-advisor?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=822ef0a06a24cbcac5177bb49801b7bf04a85366 (2016-04-26)
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  • Money Is What Keeps Couples Together — Not Love
    together This may take weeks months years or decades to manifest but it absolutely will happen sooner or later I know this sounds harsh but only because it s true This is not to say that you have to agree on all things financial from the get go Often it takes time to see eye to eye on money But if you or your lovie dovie aren t willing to discuss these issues openly and honestly and be willing to change your financial behavior in a meaningful way when required you should take a hard look at the relationship and stop kidding yourself I ll give you a few examples of how my wife and I handled our financial differences I think that might help When we first got married we had different opinions about charity spending and income Fortunately this didn t cause too many problems We divided up the financial responsibilities and resources And we gave each other complete responsibility and freedom within our respective realms We also set up separate checking accounts That s what worked for us at first But this wasn t a perfect solution We did have our differences about spending and every now and then it caused angst My bride is anything but a spendthrift but she was more willing to open up the purse strings to enjoy life I was still living in a great deal of financial fear when I started my career I can honestly tell you that I was way too tight for no good reason But we were both convinced that we were right and the other was being silly We eventually learned that we had to honestly address each other s values and concerns And we each had to compromise We had to listen to each other Really listen and hear what the other was thinking and understand what they were feeling Then we had to actually implement the agreements we came up with Agreement without action has no value Until we did that we figuratively slugged it out So when I say that money is more important than love I m really saying that a relationship is in jeopardy as long as money disagreements go unaddressed All the love in the world isn t going to solve that problem Money problems will beach your love boat whether or not you fight about them ignore them or lie to yourself and tell yourself that everything is fine and or will work out Until you fix what s broken the problem isn t going to disappear And as long as there is a basic structural fault in your financial foundation you are walking on very thin ice You are wasting your time and your partner s time You are either being enabled or enabling Either way you are being unfair to each other because you are both stuck Money symbolizes security and happiness That s because to some extent money provides those things Take the time to listen

    Original URL path: http://lowcostlifecover.ie/blog/item/18-moneyiswhatkeeps?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=3ee64d4d18dc3ce08ea35ddd4fc32b2f758b6343 (2016-04-26)
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  • 7 Easy Steps To Invest Like Warren Buffett
    just have to follow these 7 easy steps 1 Talk all sorts of smack about hedge funds but first spend the initial 10 years of your career running a hedge fund that charges 25 performance fees on top of 6 gains 2 Amass enough capital by charging massive fees to buy multiple entire companies Do it in a distressed debt activist strategy but later on spin it off as value investing 3 Use your insurance arm from the company you bought in a distressed debt play as a massive cash flow machine in which you re essentially a leveraged covered call option writing operation 4 Tell the world that they should just buy index funds and then spend most of your time building a portfolio around individual equities 5 Tell the world that fixed income is dangerous while maintaining billion dollar positions in bonds 6 Constantly refer to derivatives as time bombs while maintaining billion dollar derivative positions 7 Obtain a red phone to the US Treasury department so you can help them arrange a rescue plan that starts by rescuing your operation when it looks like the economy is collapsing See it s easy Now go get started You

    Original URL path: http://lowcostlifecover.ie/blog/item/17-7-easy-steps?tmpl=component&print=1 (2016-04-26)
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