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  • Nichola Nolan Gets Honest About Her Financials
    I m a little more relaxed with my spending and he reels me back in We have only started taking our finances really seriously in the last twelve months Now that he is out of college and we re both in full time permanent employment we re excited to save for a mortgage get rid of the credit card and start a pension that s the big goal for next year We both own a car and have loans for each one We have never been in a position to invest or buy shares any spare money we have is being squirrelled away for a holiday to Australia for my husband s 40th Sinead Ryan financial advisor says Nichola spends her income in the present day Lots of people do this but it can lead to not planning for the future Debt is an issue although I would consider college borrowings to be good debt as it enhances earning power in the future Credit cards however are bad debt and this should be kept to a minimum paying the balance by direct debit every month Nichola has no mortgage yet which has turned out to be a blessing given the market in recent years However saving for one is now a priority As first time buyers they will need a 10 per cent deposit up to 220 000 and 20 per cent of whatever they may need to borrow thereafter This is a big ask so getting started is essential Earmarking a savings account is vital for this it can be done online with RaboDirect Do not dip into it once you start Find a monthly amount that you can comfortably save yes even if it means foregoing the restaurant trips and stick to it This shows potential lenders a

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/money-talks-nichola-nolan.aspx (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 18 Next Categories Business Savings 9 Investments 18 Partnerships 12 Personal Savings 48 Theme Education 1 Holidays 1 Life Money 11

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=1 (2016-02-16)
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  • Buyer Beware – 7 hidden costs that every home buyer should know.
    hit list 2 Surveyor fee A building inspection report is one of the impost important things you ll commission before you buy The report looks to give buyers peace of mind that they re investing in something structurally sound and highlights any flaws or necessary repairs the buyer should be aware of before they sign on the dotted It s a pretty big deal not least because the report itself comes with a price tag but because it can unearth issues you might need to fix if you want to live in or rent the property out Things like the foundations roof walls plumbing and electrics are usually included Reports from The Society of Chartered Surveyors Ireland start at 250 for basic surveys rising to 1 000 for full structural reviews 3 A valuation report Your lender s likely to request a valuation report on the property too to prove what you re buying is worth what you re paying It s win win on this one really the bank gets some comfort it s an appropriate amount to lend and spend and you sleep better knowing you haven t been taken for a ride A valuation will set you back about 150 4 Solicitor fee s You ll hear fancy words like conveyancing bandied about when you get into the property game It s the term used for the legal process of buying and selling property Like anything with a fancy name it usually comes with a hefty price tag There s no standard fee and solicitors can charge a flat rate or more usually apply a percentage of the purchase price It s rarely higher than 2 but you could be looking at a bill as big as your stamp duty Additional fees will be added for any extra work they do on things like land registration or legal searches so it makes sense to agree the costs upfront and avoid any nasty albeit fancy sounding surprises 5 Insurance of course Lenders will insist on a life insurance policy that ensures any outstanding sum will be paid off in full if you die before the end of the loan term Most lenders will also insist that you have home insurance to protect the property from things like fire or flood damage too If you add contents insurance you ll be covered for damage to your fixtures and fittings Mortgage protection insurance will kick in if you suddenly find yourself unable to pay your loan because of illness injury or unemployment 6 Local property tax Local property tax LPT comes courtesy of the government The annual charge was introduced in 2013 replacing the Household Charge and is applied to all residential properties It s based on the property s market value and self assessed so home owners are expected to calculate how much tax is due with the help of some guidelines provided by the state The Revenue offer a number of ways to pay including one off and

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/hidden-costs-home-buyers-should-know.aspx (2016-02-16)
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  • All you need to know about the new mortgage rules
    2015 and ensure more stringent loan to value and loan to income ratios As a result there are new limits on how much first time and non first time buyers can borrow from a bank This is pretty standard as mortgage lending goes and takes key factors like how much deposit you can put down up front and your salary in to account both of which will influence how quickly you can repay your loan Why were they introduced The motives behind the new rules revolve around Increasing the resilience of the banking industry Bolstering the property market Reducing risk around bank credit and Preventing house price spirals and unmanageable levels of negative equity What do they mean for first time buyers Banks are looking closer at deposits and salary If a property costs less than 220 000 first time buyers will be expected to pay at least a 10 deposit of the purchase price in cash And if the property costs more than 220 000 you re looking at a 20 deposit On top of that the total amount you can borrow will be limited to 3 5 times your gross annual salary or combined salaries if you re considering a joint mortgage How do the restrictions effect non first timers If you ve borrowed to buy a property before you ll be capped at a maximum of 80 of the property price That s just a different way of saying you ll need a 20 deposit too The same rules apply around salary and earnings limiting the borrower to 3 5 times their annual gross salary What do those borrowing limits look like Here s a quick guide to how salaries stack up against borrowing limits Image source Myhome ie Are there any exceptions to the rules There

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/new-mortgage-rules.aspx (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    the third episode of our Weddings Series with Ray and Ali as they reveal for the first time some of the true costs of their wedding Read more Derek Sinead Budgeting Together Submitted by RaboDirect ie on Friday 19 June 2015 No comments Category Personal Savings Watch the third episode of our Weddings Series with Derek and Sinead as they reveal for the first time some of the true costs of their wedding Read more Ed Lucy Tips and Confessions Submitted by RaboDirect ie on Friday 19 June 2015 No comments Category Personal Savings Watch the fourth episode of our Weddings Series with Ed and Lucy to find out some of their wedding savings tips Read more Ray Ali Tips and Confessions Submitted by RaboDirect ie on Friday 19 June 2015 No comments Category Personal Savings Watch the fourth episode of our Weddings Series with Ray and Ali and find out some of their wedding savings tips Read more Derek Sinead Tips and Confessions Submitted by RaboDirect ie on Friday 19 June 2015 No comments Category Personal Savings Watch the fourth episode of our Weddings Series with Derek and Sinead and find out some of their wedding savings tips Read

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=9 (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    Money Talks How to avoid pre marital meltdown Submitted by RaboDirect ie on Monday 15 June 2015 No comments Category Personal Savings Want to avoid any pre marital meltdowns while planning your big day Here s some tips to help you have better money talks and figure out your finances before you walk down the aisle Read more Your wedding budget Get ready to haggle Submitted by RaboDirect ie on Monday 15 June 2015 No comments Category Personal Savings Looking to save money while planning your wedding Why not try your hand at haggling Here are some valuable tips to get you started Read more Your wedding budget Who s picking up the tab Submitted by RaboDirect ie on Monday 15 June 2015 No comments Category Personal Savings Deciding who pays for what at a wedding can be a minefield Here s some wedding cost splitting basics for you and your families Read more Your wedding budget How to set one and stick to it Submitted by RaboDirect ie on Monday 15 June 2015 No comments Category Personal Savings Do you need to set a wedding budget but you don t know where to start To help save you a lot of heartache when saving for your big day here are tips to help you create your budget Read more Are you compliant with the new Companies Act Submitted by Patricia Callan Director SFA on Monday 18 May 2015 No comments Category Business Savings Only one month remains before a major overhaul of Irish company law enters into force on 1 June 2015 with the aim of reducing red tape and making it easier to operate a company in Ireland Read more Page Previous 1 6 7 8 9 10 11 12 18 Next Categories Business Savings 9 Investments 18

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=10 (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    PRSA fees FAQs The Blog Check it out Open Account Log in Home More The Blog Check it out Blog The benefits of teaching kids about saving Submitted by Charlie Weston Personal Finance Editor Irish Independent on Wednesday 24 October 2012 No comments Category Personal Savings Charlie Weston Irish Independent highlights the benefits of teaching kids about the value of saving Read more Confidence in Irish econmoy stabilises Submitted by Killian Nolan Investments Manager RaboDirect on Friday 28 September 2012 No comments Category Investments Investors confidence in the Irish economy has stabilised according to the results of the latest RaboDirect Investor Barometer Read more Budget Recession Survival Tips from Charlie Weston Submitted by Charlie Weston Personal Finance Editor Irish Independent on Thursday 24 November 2011 5 comments Category Personal Savings With another tough Budget on the way Charlie Weston gives us his survival tips for the coming months Read more Top Tips for Retirement Savings Submitted by Killian Nolan Investments Manager RaboDirect on Wednesday 27 October 2010 8 comments Category Personal Savings It s that time of year again when you will hear and see lots of ads on the radio and elsewhere about making pension contributions before the October 31st tax saving deadline Read more Gary Connolly s Guide to Investments Submitted by Gary Connolly Principal iCubed on Wednesday 21 July 2010 3 comments Category Investments With thousands of books and articles investing remains loosely understood by most of us It s sometimes portrayed with great complexity but with any investment decision are a number of easy to understand concepts Read more Page Previous 1 11 12 13 14 15 16 17 18 Next 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

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=17 (2016-02-16)
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  • Online Banking News – Financial Information from RaboDirect Ireland
    Killarney Submitted by Jill Kerby The Sunday Times on Tuesday 28 April 2015 4 comments Category Personal Savings What are the money issues that most concern older people around the country Personal finance journalist Jill Kerby shares what she learned at the recent Active Over50s Shows in Letterkenny Read more The Active Over 50s Show with Jill Kerby in Letterkenny Submitted by Jill Kerby The Sunday Times on Thursday 23 April 2015 No comments Category Personal Savings Personal finance journalist Jill Kerby explores how the economic recovery in Ireland means different things to different people and insights on what she will be discussing at the Over 50s Show in Letterkenny this weekend Read more What are the Investment Opportunities in Ireland in 2015 Submitted by Alan McQuaid Merrion Capital on Wednesday 4 March 2015 No comments Category Investments Ireland was the fastest growing economy in the Eurozone last year so what are the investment opportunities in Ireland in 2015 Alan McQuaid of Merrion Capital shares some prospects for the year ahead Read more Kilkenomics A unique Festival that s part stand up and part economics Submitted by RaboDirect ie on Thursday 26 February 2015 No comments Category Partnerships Kilkenomics dubbed Davos with jokes and comedy with a pint and a point brilliantly blends comedy and economics by bringing together some of the world s leading economists and stand up comedians Read more Seven lessons for small Irish business from Irish boxing success Submitted by David McWilliams Economist Journalist and Best Selling Author on Monday 2 February 2015 No comments Category Business Savings We look at what SME s can learn from the meteoric rise of Irish amateur boxing with limited resources and small a population against the Goliath s on the world stage Read more Page Previous 1 7 8

    Original URL path: https://www.rabodirect.ie/more/media-hub/blog/default.aspx?pagenumber=11 (2016-02-16)
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