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  • Webcasts
    FAQs The Blog Check it out Open Account Log in Home More The Blog Webcasts Webcasts Close Latest news New Year New Savings Goals Mashup 26 January 2016 New Year New Savings Goals Meet Livia 25 January 2016 New Year New Savings Goals Meet Richard 25 January 2016 New Year New Savings Goals Meet Aidan 25 January 2016 New Year New Savings Goals Meet Laura 25 January 2016 More news

    Original URL path: https://www.rabodirect.ie/more/media-hub/webcasts/default.aspx?category=PRSA+Pensions (2016-02-16)
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  • The benefits of teaching kids about saving
    begin training schemes or employment They will all have to manage money from then on for the rest of their lives whether it s student loans their first credit card or even opening a savings account Financial literacy among adults in Ireland is often identified as low so we would be wise to ensure that our young people are provided with a better preparation for their future financial well being then we were A good financial education A good financial education is something that children will not find on their everyday school curriculum The importance of financial literacy for children cannot be over emphasised according to chief executive of the National Consumer Agency Ann Fitzgerald It is a good idea to encourage children to save from an early age so if they get money for their first Communion or pocket money it is a great time to start People learn more about money skills from their parents than from any other source She warned that children learn about money from watching and listening to what goes on at home Ms Fitzgerald said it was important to encourage children to develop a lifelong savings habits and encourage responsible money skills Most children get pocket money recent surveys have shown Those aged 16 18 receive on average the largest amount of pocket money per week 15 37 Children aged between five and eight receive the least amount of money getting on average 6 15 Here are some tips for ensuring children get into the savings habit Get your children saving One of the smartest ways to teach children about money is to get them to open a savings account A good tip is to get your child to actually hand over the money themselves to you or the bank so that they fully appreciate what is happening If it s an online account or has online access you can show your child at any time how their savings are growing as they save a little each month Set a savings goal Children need a reason to save just as we adults do That is why is it is important to sit down with them and decide on a savings goal according to the National Consumer Agency You can set them short term goals like getting them to save for a new computer game A more long term goal would be saving money for summer holidays or for buying Christmas presents Show how money makes money It is important to take the time to explain to children that money makes money as you earn interest when you save Unfortunately children s accounts are also taxed and it comes as a shock to children that the Government wants some of their interest But then that is all part of learning about personal finance Encourage them to keep up the habit Once your kids open a savings account encourage them to save some of their pocket money regularly Getting them to put money aside either

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/The-benefits-of-teaching-kids-about-saving.aspx (2016-02-16)
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  • Leaving Rabodirect
    Zurich Life website and agree and acknowledge that RaboDirect will not be held responsible for the content of the Zurich site nor will RaboDirect be liable for any loss or damage whatsoever arising including from negligence from access to this site You accept that accessing another website via a hyperlink or accessing a file provided by a third party supplier takes place at your own risk is your sole responsibility and that RaboDirect does not represent or warrant that the use of the website any material downloaded from it or any file will not cause damage to property including but not limited to loss of data or computer virus infection The content of this site and files is based on information sources believed to be reliable but this is not a guarantee of the accuracy and or completeness of the information RaboDirect are an Execution Only provider what does that mean If you choose to proceed with this sale on an execution only basis it means that you understand RaboDirect does not provide financial advice on the suitability of the product for you or take into account your personal circumstances It s therefore very important that you know which product you want have researched the market and have made a decision on the provider you wish to use We don t handle client funds and the contract will be between you and Zurich Life This service is suited to customers who are able to conduct thorough research at the time of taking out a policy product and more importantly follow its progress on an ongoing basis If you re still unsure about PRSAs or whether this product is right for you this service is not suitable and we recommend seeking independent financial advice to get a better understanding of which

    Original URL path: https://www.rabodirect.ie/more/prsa/leaving-rabodirect-self-employed.aspx (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    FAQs The Blog Check it out Open Account Log in Home More The Blog Check it out Blog New Year New Savings Goals Meet Laura 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 Laura Read more Get a grip on your finances in 2016 Submitted by RaboDirect ie on Friday 15 January 2016 No comments Category Personal Savings Read our 12 month guide to taking the sweat out of spending saving and debt reduction in 2016 Read more Money Talks Ellie Balfe editor of Image gets honest about her financials Submitted by RaboDirect ie on Thursday 14 January 2016 No comments Category Personal Savings Meet Ellie Balfe the editor of Image ie in our Money Talks series with IMAGE magazine She chats about how she manages her monthly finances with two small kids Read more Money Talks Nichola Nolan gets honest about her financials Submitted by RaboDirect ie on Thursday 14 January 2016 No comments Category Personal Savings In the latest IMAGE magazine Money Talks series meet Nichola Nolan She chats about the relief of clearing debts and starting to set savings goals Read more Money Talks Irish Women Get Honest About their Financials Submitted by RaboDirect ie on Wednesday 21 October 2015 No comments Category Personal Savings Meet Anne Browne in the second in our Money Talks series of interviews She chats about saving for the future and dividing economics duties within her family Read more Page Previous 1 2 3 Next Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings 48 Theme Education 1 Holidays 1 Life Money 11 Property 7 Retirement 7

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=2&thema=Life+%26+Money (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    team No sneaky stuff Our credit rating More Online Security Security Digipass Security 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 Home More The Blog Check it out Blog Money Talks Irish Women Get Honest About their Financials Submitted by RaboDirect ie on Wednesday 9 September 2015 No comments Category Personal Savings We partnered with IMAGE magazine to bring you Money Talks a series of interviews with IMAGE readers about saving and spending In the first in the series we meet Aoife Kelly who gets honest about her financials Read more Page Previous 1 2 3 Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings 48 Theme Education 1 Holidays 1 Life Money 11 Property 7 Retirement 7 Weddings 16 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 the jargon Read more Read more Follow us As an online bank

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=3&thema=Life+%26+Money (2016-02-16)
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  • 5 fab getaways that won’t break the bank - RaboDirect
    cat that got the cream or custard as the case may be As well as its cool cafes Lisbon offers a bustling nightlife in the Bairro Alto and a mind blowing aquarium Oceanário de Lisboa is 10 minutes from the airport at Parque das Nações centred around one enormous tank swarming with rays sharks and sunfish and a lifetime memory 2 Fuerteventura Canary Islands Two fundamentals make a big difference to affordability of a holiday access and tax The Canaries have no trouble with either There are regular scheduled and charter flights from Irish airports and the archipelago s special Duty Free status makes everything from alcohol to sizzling seafood that bit cheaper Most Irish visitors go to Lanzarote but the best beaches by a country mile are found on the windswept island of Fuerteventura Whether you re surfing on the west cast or walking along the 15km of golden sands on Grande Playa there s a strand or cover for everyone here Throw in year round temperatures of 18 24 degrees exotic volcanic landscapes and quality resorts and you ve got a price conscious slice of paradise 3 Helsinki Finland Scandinavia are famously cool this is the region that gave us Spotify Absolut Bjorn Borg and Ikea after all but it s also famously expensive You can get the best of Scandinavia s awesome landscapes killer designs and scrumptious food without mortgaging the house however by hopping on one of Finnair s new flights from Dublin to Helsinki The routes start on March 30th of this year whisking you direct to one of Europe s finest Art Nouveau cityscapes and a sea town par excellence as Lonely Planet puts it Now Helsinki isn t cheap It can be a heck of a lot more affordable than Stockholm and Copenhagen though and especially the wallet melting expense of Oslo where I once paid almost 10 for 400ml of beer It s arguably less pretentious too and certainly more off radar Grab lunch at one of its open markets pick up the tourist office s free Art nouveau walking map book into a luxury hostel and finish a cool 48 hours with a night on the town 4 Corfu Greece Maxed out Majorca Tired of Tenerife Want to avoid the Irish invasion of Lanzarote the bling of Puerto Banús or the expense of Sardinia Corfu could be the answer Aer Lingus flies direct from Dublin to this idyllic Ionian island and if you can swing your holidays in the last week of May off peak rather than the peak summer holiday months of June July and August you could nab a seven day package with flights from 444pp That s the price as I post a week later it jumps to 566pp And the good news That s a five star package with accommodation at the Corfu Holiday Palace 5 Budapest Hungary Problem We all love Paris Rome floats everyone s boat But both cities are expensive some would even say

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/five-fab-getaways.aspx (2016-02-16)
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  • Interested in the Active Over-50’s Show in Dublin’s RDS?
    of all a 13 5 VAT refund if you sign up to the Home Renovation Incentive Scheme as I write that s expected to be extended in the October Budget Just imagine how the domestic economy would really take off if or when everyone gets to keep more of what they earn and the taxman takes less Over 50 s fair better than most On top of that there s one group that stands out among the rest that have for the most part survived the last seven years better than most that s the over 50s The over 66s have fared particularly well and thousands of you are expected to check out the spending opportunities at the Active Over 50s Show at the RDS in Dublin from 9 11 October You can find full details at seniortimes ie Catch my seminar Making the Most of the Recovery I ve been giving personal finance seminars at the Active Over50 s Shows since the roaring Tiger years but this October I m moving my talks kindly sponsored by RaboDirect on from Surviving the Recovery to Making the Most of the Recovery This 2015 show couldn t be better timed falling as it does just before the annual Budget on the 13th of October It s expected that the Universal Social Charge USC will be cut again public sector salaries will be boosted and there s talk of further restoration of the pensioner s Christmas bonus so personal balance sheets of our over 50 community could be looking healthier by the New Year To make the most of all of that and avoid complacency I ll be looking at ways to save and make some money over the next year as well as The best options for cash in a near 0 interest rate environment The safety of banks Levels of investment risk we might accept or consider to achieve a decent reward Ways to safeguard private pension returns and give them a boost The best ways to save on health care and health insurance and Looking at whether Fair Deal can deliver for an ageing population planning ahead Plenty of surveys have shown that over 50s who didn t get themselves into hopeless debt by over paying for buy to let investments or other property during the bubble years have weathered the economic crisis better than most and are largely mortgage and debt free This group have benefited from the strong recovery of Irish property prices especially in the cities Defined Benefit DB pension schemes are still closing but strong markets up to recently have boosted private pension values and reduced DB deficits Over 70s now have access to free GP visit cards and while wages and state pension income have stagnated price inflation hasn t turned into the wealth killer many including yours truly anticipated At least not yet So with ownership of a large chunk of the national wealth in property pensions and cash deposits the over 50s attending

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/active-over-50s-show-dublin.aspx (2016-02-16)
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  • The early bird gets the pension with Jill Kerby
    the entire working population In Ireland today only about half the population is a member of a pension scheme and a large number are automatic members of civil and public service schemes What s stopping you The reasons people give for not taking out a personal pension are pretty much the same everywhere lack of sufficient income too many other bills too many other saving goals like a house too young too old already make state pension contributions can t be bothered The trouble with excuses is that they turn into habits and the best and easiest way to reach any financial goal is to target it with the good habit of steady savings Meet Fintan and Fiona Here s an example of what I mean two friends Fintan and Fiona are both just 23 They ve graduated with top computer science engineering degrees and get jobs with prestigious software companies Their starting salaries are 35 000 a year Fiona joins the PRSA scheme and decides to invest 10 of her gross salary or 3 500 a year into a well balanced low cost PRSA Fintan has other plans for this money He d prefer to buy a car and has plans to build up a down payment for a house someday He saves 100 a month in an ordinary demand deposit account Fiona s pension costs her just 2 100 a year when her 40 top rate tax credits on her contributions are taken into account Any yield on Fintan s savings are subject to 41 deposit interest retention tax By year five neither Fiona nor Fintan have their own home yet but with their modest annual pay increases of 2 5 they re both now earning 39 630 Fintan has just paid off his five year car loan on a seriously depreciated vehicle and he has about 6 000 saved But Fiona s pension fund into which she has kept investing the equivalent of 10 of her rising salary has been growing at a steady 7 gross and is now worth just over 19 000 after charges and fees Not only has she got this valuable asset but instead of spending the 7 000 tax she saved over the five years she decided to save it for her house down payment Best of all Fiona s lifestyle and spending quickly adjusted to the fact that a pension deduction was being made every month She pretty much forgot about the money that was being re directed into her pension and to her savings account Compared to Fintan who has only a small savings pot pays more tax and owns a depreciating asset she s already done most of the hard work in preparing for her retirement some day Take the first step No one can predict exactly how a pay rises investment markets or the state s tax take will pan out The only thing anyone can be certain about is taking the first pension step and then letting

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/the-early-bird-gets-the-pension.aspx (2016-02-16)
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