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  • RaboDirect Supporting SMEs in 2014
    competition for our SME customers to win the chance to join us for the day We had a massive response and choosing the winners was a bit of an ordeal It was a great way for us to reward some of our SME customers by giving them the opportunity to find the right balance and discover the magic ingredients from other successful business people A line up of excellent speakers Massive congratulations to Frankie Sheahan and his team at FrontRow ie for putting together an event which managed to motivate and inspire a 500 strong contingent of delegates who left with a real sense of optimism for the year ahead no mean feat in today s climate I think this success is due in no small part to the line up of excellent speakers on the day There was a great mix of domestic and international talent who weren t afraid to lay it all on the line and speak openly and honestly about the factors they consider vital in meeting their personal and professional goals None more so than the enigmatic keynote speaker the astronaut Col Chris Hadfield Seriously the mind boggles Anyway we ll be following up with a series of short videos from some of our SME guests who ll be sharing their thoughts and insights into a range of important areas for running a successful Irish SME So watch this space no pun intended We also managed to put a few customers in front of a camera to share some of their thoughts about the day itself Here s a sneak at some of what they had to say Previous post Barbara Moynihan on Pitching for Success Back to Blog Post comment Name Please fill in your name Email address For verification only it will not

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/rabodirect-supporting-sme.aspx (2016-02-16)
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  • Pitching for success, with expert insights from Barbara Moynihan
    pitch That s the one that you need to be able to pull out when someone asks you What do you do This could be done anytime anywhere In any type of situation from business to personal and from formal to informal This 60 second pitch can also form the first minute of a sales pitch so getting it right is crucial Preparing The suggested rate of speech to be clearly understood is 120 words per minute With so few words every word counts and having a good structure can be extremely helpful There are lots of ways to structure your pitch I tend to recommend the 3 part one below It s simple it flows and it is very easy to tailor for different occasions The other terrific thing about this structure is that it works well if you are drip feeding your pitch during a conversation My feeling is that if you are asked what you do in an informal situation whether in a business or personal situation launching in to the full 60 second pitch can sound like overkill The 60 Second Pitch Below is the main body of your pitch which should last roughly 50 seconds Your opening words should normally be your name and company name and the closing words should be your name and website Or depending on the situation your closing might be a request for a specific type of contact In this case the main body should be shortened accordingly What do you do Find a way to say in 15 words or less what you actually do for your clients as opposed to saying what you are For example I am a solicitor and the area that I specialise in is family law where I have been working for over 20 years This example is saying what you are it also uses the word I three times However saying I help my clients going through family law matters to resolve their issues as smoothly as possible is saying what you do and reduces the use of the word I to one Your pitch is not about you it is about them the listener Why do your clients need you Bearing in mind that your pitch is all about them think about this from their point of view why do your customers come to you Typically this is to solve a problem or fill a need You then need to articulate this need or problem in a couple of sentences so that the listener understands precisely why they need you How do you differ We all have competition ideally we would like to be unique but typically we are just a bit different It could be your fee structure your location methodology follow up service opening hours If you are unsure about how you differ from your competitors look at your testimonials or simply ask your clients Document all the things that make you different and tweak the ones you use based

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/pitching-for-success.aspx (2016-02-16)
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  • Focusing on our customers - RaboDirect
    every manager was given the responsibility to deal with and resolve two customer complaints each month by directly contacting and understanding the customers concerns While it s a pretty small thing it supported the culture of being customer focussed and ensured that senior office based staff didn t lose contact with what was really important to customers This exercise was combined with monthly stints in the retails shops and on the phones in customer care Very quickly you became aware of the vast gaps between what seemed like a good idea in head office and how that affected customers and customer facing staff which meant real customer insight became the day to day language and focus of the business There is no substitute for developing real understanding and insight about customers and actually listening to what is going on in their lives You will very quickly realise a couple of very simple but important things Your business is not as important to them as it is to you People have lots going on in their lives and are constantly looking for things to make it better or easier Just because your business exists doesn t mean they care as much as you do or would like them to If you understand this you can put your focus into really making your product or service relevant and different Customers want to be treated personally When you are dealing with customers they expect that you know who they are if they have bought from you and that you have an understanding of their history or even at a very basic level that you greet them and interact with them personally Customers want to be rewarded In this day and age customers expect to be recognized and rewarded for their loyalty This doesn t mean you rush to create a complicated customer loyalty program that adds more grief and complexity to their lives It s simpler than that A simple thank you for the business a proactive review of their usage that reaffirms they are getting a good deal or suggesting an alternative option to meet their needs can be enough It costs more to acquire a customer than to keep one Every business needs to focus on growth and innovation to survive and be successful however in a lot of cases this is done with little regard for the value of existing customers The focus quite often shifts to the new customer the special offer to acquire them and the sales funnel By putting more emphasis onto existing customers thinking about lifetime value and referrals as sources of growth and success you can radically change how your business behaves and achieves success All the talk of digital this and digital that can make things seem a lot more complicated and daunting for businesses as they look to grow and achieve success The same principles will always apply to businesses who are successful and it all starts and ends with customers The channels

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/looking-after-number-one.aspx (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    world literally Submitted by Brian Smith SME Marketing Specialist RaboDirect on Tuesday 17 December 2013 7 comments Category Business Savings RaboDirect has partnered with the Pendulum Summit 2014 to support a positive start for SMEs in the New Year Read more Plan for the Future open a Business Notice Saver Account today Submitted by Brian Smith SME Marketing Specialist RaboDirect on Tuesday 19 November 2013 No comments Category Business Savings Open a RaboDirect Notice Saver account today and take a positive step for your 2014 business savings plan Read more Video highlights from the first RaboDirect Business Roadshow Submitted by Martin O Leary Head of Marketing RaboDirect ie on Tuesday 13 August 2013 No comments Category Business Savings View the highlights of RaboDirect first Business Roadshow a series seminars for SMEs in Limerick Read more Mark Little on Starting a New Business Submitted by Mark Little Storyful com on Tuesday 29 June 2010 14 comments Category Business Savings Mark Little former RTE correspondent took a leap of faith and left the TV studio to set up his own business in the middle of a recession A method to his madness Here s what he had to say Read more Page

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=2&category=Business+Savings (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    out Open Account Log in Home More The Blog Check it out Blog New Year New Savings Goals Mashup Submitted by RaboDirect ie on Tuesday 26 January 2016 No comments Category Personal Savings Looking for some inspiration for your 2016 savings goals We hit the streets of Dublin to find out what New Year s savings goals people are setting Read more New Year New Savings Goals Meet Richard Submitted by RaboDirect ie on Monday 25 January 2016 No comments Category Personal Savings Looking for some inspiration for your 2016 savings goals We hit the streets of Dublin to find out what New Year s savings goals people are setting Meet Richard Read more New Year New Savings Goals Meet Aidan Submitted by RaboDirect ie on Monday 25 January 2016 No comments Category Personal Savings Looking for some inspiration for your 2016 savings goals We hit the streets of Dublin to find out what New Year s savings goals people are setting Meet Aidan Read more New Year New Savings Goals Meet Livia Submitted by RaboDirect ie on Monday 25 January 2016 No comments Category Personal Savings Looking for some inspiration for your 2016 savings goals We hit the streets of Dublin to find out what New Year s savings goals people are setting Meet Livia Read more New Year New Savings Goals Meet Craig Submitted by RaboDirect ie on Monday 25 January 2016 No comments Category Personal Savings Looking for some inspiration for your 2016 savings goals We hit the streets of Dublin to find out what New Year s savings goals people are setting Meet Craig Read more Page 1 2 3 4 5 6 7 8 9 10 Next Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings 48 Theme Education 1 Holidays 1 Life Money

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?category=Personal+Savings (2016-02-16)
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  • Economic and Financial Market Commentary Aug-Sept 2015
    the more gloomy prognostications for second half growth were not realised fundamental macro economic challenges remain in Asia Pacific EM While picking up from a prior poor period EM GDP growth is likely to increase only modestly to perhaps 4 4 in 2016 from 4 1 this year Stabilisation is likely in some of the countries experiencing significant downturns but for those linked to Chinese supply chains and commodity demand there will be little relief The major economies of China and India are both predicted to grow at slower rates while the rest of Asia will likely witness little change in pace Risks remain high including the EM debt overhang and deleveraging amidst higher interest rates and a strengthening dollar Fixed Income Markets Overview For much of the period under review once again there were disparate trends in fixed income markets Government bond markets trended together early on but as the US Fed began to more forcefully indicate a likely rate rise in December at the same time as the ECB trumpeted the case for further easing unsurprisingly 10 year yields went their separate ways By period end US yields were some 17bp higher at 2 21 German yields had fallen11bp to 0 47 while UK gilts traded in between rising 6bp to 1 82 To a large extent corporate bond returns followed the lead set by respective government bonds markets with those from the US both investment grade and high yield significantly underperforming UK corporates which were well beaten by EU corporates US credit continued to be highly influenced by oil price trends as energy high yield bonds swung from gains of 4 1 in October to losses of 2 3 in November Higher risk EM hard currency debt also performed well gaining 3 1 over the period Focus Ireland Despite considerable volatility during the two month period Irish government bond yields maintained their downward trend Having begun the period yielding 1 24 10 year bonds backed up from 1 03 to 1 27 in late October early November as US bonds sold off heavily 30bp on the growing prospect of a December rate rise and stronger economic data By end November EU government bond prices had rallied strongly once more as financial markets priced in hopes of a further extensive expansion of the ECB s bond purchase programme Irish 10 year yields ended November at just under 1 0 the lowest since last April producing very strong 2 returns for the 7 10 year bond index and nearly 3 for the 10 year index Yields fell right across the maturity curve with the short end especially sensitive to ECB actions resulting in the 4 year bond moving to a negative yield of 0 02 from 0 16 when the period began Ireland also remains amongst the most favored of government bond markets given its improving economic and debt fundamentals and spreads narrowed against Germany by another 13bp to just 52bp This is back to pre financial crash levels and compares with the 1143bp peak during the euro crisis in 2011 when the yield reached 14 08 Equity Markets Overview Following the severe correction through much of August and September equity markets rebounded strongly during the latest two months Europe and Japan led the way as stock markets in both gained around 12 the US advance was a less spectacular 8 while those indices most acutely affected by falling commodity prices UK and EM lagged as the LMEX metals index and Brent crude both declined by 9 over the period Careful interpretations of these market moves is required however as the sizeable rally in Europe was boosted by the prospect of further euro weakness Indeed in euro terms the Euro Stoxx index marginally underperformed the MSCI ACWI which rose nearly 13 Focus Ireland As noted the two months covered by this report was an excellent period for European equity markets as they rebounded from August September s severe correction With Irish equities having outperformed significantly during that period it was perhaps no surprise some of the main European indices recovered by more than the Irish ISEQ index Even so generally strong returns from leading stocks ensured only a limited shortfall as ISEQ jumped 10 9 compared to 11 0 for the MSCI Europe ex UK index 13 1 for the Euro Stoxx 50 and a relatively lame 4 7 gain by the FTSE All Share As ever the performance of ISEQ index remains the provenance of a handful of large stocks that effectively determine index returns The largest four companies CRH Ryanair Kerry Group and Bank of Ireland account for approximately two thirds of index market capitalization and together with the next largest five the aggregate is 90 Of the two most significant building materials group CRH 24 of the index rebounded strongly its 18 5 advance being the best of the leading stocks while budget airline Ryanair rose a more sedate 5 9 following prior strength Property Focus Ireland Although easing from 2014 s torrid and indeed unsustainable pace the Irish commercial property market continues to grow very strongly Despite the Q3 report from SCSI IPD Ireland revealing a modest decline in total returns to 6 1 from 6 7 in Q2 this still represented a 24 2 annualized gain and a 28 5 increase year on year Once again the office sector led growth in capital values increasing 5 2 but the strongest advance came from retail rising by 4 4 compared to just 2 7 in Q2 and 0 9 in Q1 It should be noted that the office sector dominates Irish property accounting for 67 4 of the index database at end Q3 compared to 23 8 for retail and just 5 1 for industrial The scale of the recovery was highlighted in a recent CBRE report which showed prime Dublin office rents had soared over 90 from their lows and are now around 565 per square metre but remain on target to reach 592

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/morningstar-oct-nov-2015.aspx (2016-02-16)
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  • Economic and Financial Market Commentary Aug-Sept 2015
    index and its much riskier Global High Yield index returning 0 3 and 4 1 respectively Unsurprisingly EM bonds another risk asset also recorded a substantial 3 3 loss Focus Ireland Irish 10 year government bonds began August yielding 1 2 and closed September essentially unchanged delivering a flat return This was slightly less than returns achieved elsewhere in EU government bonds as 10 year spreads over Germany widened by 9bp over the period These bare numbers disguise significant swings with 10 year yields ranging broadly from 1 2 to 1 5 during a highly volatile phase for the financial markets Irish bonds are essentially semi core with yields closer to those of France than to Italy Indeed over the past year the correlation with French yields has risen to 0 83 from 0 49 in the prior two years while the correlation with Italy has fallen to 0 66 Moody s recently changing Ireland s rating outlook to positive from stable is another sign of Ireland s ongoing improvement Debt reduction continues apace and as a percentage of GDP debt may well fall below 100 next year Equity Markets Overview Equity investors suffered back to back losses in August 6 8 and September 3 6 with the MSCI AC World Equity index World index declining 10 1 in aggregate This was the worst two monthly decline since the height of the 2011 euro crisis and would have been worse but for a 2 surge on the last day of September Volatility soared during August for example VIX peaked intraday at 53 3 24 8 again a level last experienced during the worst of the euro crisis Many observers had been calling for a correction for some time and unsurprisingly equity markets were led down by the US although August s sharp decline 10 between 17 8 25 8 was fairly universal Over the whole period the Tokyo market fared worst at 15 while EM headed the performance tables at 8 5 Naturally there were substantial sector divergences as global energy and materials slid 13 and 15 respectively as consumer staples and utilities declined just 6 Focus Ireland Once again the Irish stockmarket as measured by the ISEQ index was the standout European equity market outperforming all others in August and most in September In aggregate the index declined 5 3 over the two months compared to a near 14 plunge for the Euro Stoxx 50 index and a 9 slide in the FTSE All Share That ISEQ performed so well was principally due to the structure of the index being dominated by a small number of large companies While the largest building materials group CRH performed much in line with the European average the two key contributors to the outperformance were Paddy Power which surged 27 following its tie up with Betfair and further gains by Ryanair on very strong reported profits growth and a 25 increase in full year profit guidance Ryanair is now some 20 3 of ISEQ second only to the 23 2 weight of CRH Property Focus Ireland The quieter Q2 for the Irish commercial property market noted in the last report continued through the summer months Both the number of deals and transaction values fell again in Q3 with most deals for office blocks or offices mixed with retail However interest began to pick up again in September and most agents expect a much busier final quarter The scale and speed of the recovery has resulted in a number of early investors such as US private equity firms being keen to offload recently purchased buildings For example Blackstone is selling two office blocks in central Dublin for 120m that were bought less than two years ago for approximately 80m Prime rents in Dublin city centre are now around 565 sq m 52 50 sq ft according to a recent report from CBRE Research and with limited supply available before 2017 and a 5 vacancy rate rents will inevitably continue to rise This compares with around 600 sq m at the peak in 2008 and 300 at the 2012 low It should be noted that some commentators worry that the number of new developments could result in possible oversupply by 2018 The outlook remains propitious near term with strongly rising rents but with yields already down to 4 65 capital value growth is likely to be limited Asset Allocation Income Repressive central bank monetary policies have ensured that accessing higher income can only come with commensurate levels of risk taking hence low risk equals minimal income This is truer in the euro area than nearly anywhere else with German government bond yields negative out to five years and 30 year bond yields just 1 3 Even Irish government bonds are negative out to three years European corporate bonds offer higher yields but investment grade just 1 3 for A quality according to the Bloomberg index High yield is at least closer to being described as a proper yield with the Bloomberg European High Yield index yielding 5 albeit quality is BB and effective duration 3 3 years Equivalent US corporates yield 3 4 for investment grade with a similar quality rating to that in Europe while the very risky US high yield index currently yields just above 8 but with a B rating The problem is that US high yield also managed to lose 6 5 in capital over the past four months driven by substantial losses for many resource sector bonds As described earlier equity index losses were far greater than those for high yield bonds but at least the EU dividend yield is higher somewhere around 3 3 compared to a corporate bond composite of roughly 1 8 The UK is amongst the highest yielding equity markets at 3 9 but there must be question marks over the ability of a number of large companies to persist with current payout levels As noted many times before Irish property yields are high but finding

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/morningstar-aug-sept-2015.aspx (2016-02-16)
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  • The RaboDirect Investment Barometer In numbers
    tips Security threats Security FAQs Need Help How to videos Form downloads Digipass help Complaints Login problems FAQs PRSA Pension Why Compare How it s invested At retirement How to apply PRSA fees FAQs The Blog Check it out Open Account Log in Irish Investors confident about outlook of the economy Infographic Submitted by RaboDirect ie on Monday 24 August 2015 No comments Category Investments The results from our recent Investment Barometer our back and we have crunched the numbers in this infographic Find out more about investments and investing with RaboDirect Tweet Previous post RaboDirect Investor Barometer Another investor 1 000 richer Back to Blog Post comment Name Please fill in your name Email address For verification only it will not be published Please fill in your email address Please fill in a valid email address Comment Please fill in a contribution or question Please type in the code shown below Please type in the verification code All comments are moderated and posted live during working hours Need help Why not give us a call 1850 88 22 44 Mon Fri 8am 7pm Email us Help FAQs The Blog We tell it like it is Straight talking savings without

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/investment-barometer-2015.aspx (2016-02-16)
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