Podcast | Informed Decisions

Podcast100: The Guy Spier Interview

Welcome to Ireland's only dedicated Financial Planning & Investing Podcast & Blog. We are on a mission to do things differently and to actually help people make decisions that help them achieve the results (& life!) that they want to achieve. This week we have a rather special guest, Mr. Guy Spier. Guy is the fonder...

Investing, Podcast

August 13, 2018

Patrick Delaney

Podcast99: When Simplicity Rewards Investors

In a meeting last week I was asked why my philosophy toward successful long term investing was so simplistic and boring. I was delighted! For context the people I was working with had understood me to have been in the financial planning profession for 13 years (correct) and that I was a 'finance expert' (marginally...

Behavioural, Investing, Later Life, Planning, Podcast, Retirement

August 6, 2018

Patrick Delaney

Podcast98: Can A Couple Retire In Ireland With €1million?

As a young boy growing up many years ago a million euros (or pounds as it was!) always sounded like an inexorably large amount of money. If you had ?1m you were officially a millionaire and were in our eyes elevated to a stratospheric status.......The same can't be said anymore though! While it no doubt...

Investing, Later Life, Planning, Podcast, Retirement

July 30, 2018

Patrick Delaney

Podcast97: The Mexican Fisherman……..

Welcome to Ireland's only dedicated Financial Planning & Personal Finance Blog & Podcast. Last year we won the award of 'Ireland's Best Finance Blog'......we have re-entered that same competition again this year, and will hear how we get on over the coming couple of months.....this might just be akin to the 'difficult second album'!! As...

Behavioural, Podcast

July 23, 2018

Patrick Delaney

Podcast96: Planning for company directors in Ireland….Party-Time!

Welcome back to Ireland's award winning Finance Blog & Podcast. Delighted you have joined us! Our mission is to help people avoid mistakes and help themselves to live successful financial lives. Our big aim is to ultimately change how financial advice is done here in Ireland, to put the focus back on what you want...

Planning, Podcast, Retirement

July 16, 2018

Patrick Delaney

Podcast95: The 3 Characteristics Which Suggest You Should Not Invest In Equities….

There was a large scale research study done by Gallup Consulting Group (a hugely credible global research company) this year which shows that the majority of people under 35 years of age do not own any form of shares/equities through investments, pensions or savings. This is in comparison to 2007 when the majority of people...

Investing, Podcast, Retirement

July 9, 2018

Patrick Delaney

Podcast94: Growth Or Value Investing, Which Is Best??

Growth and Value Investing are both around a long time as an 'investment strategy', and there are compelling rationale for investing in either, there are many fans of both, yet there is also quite a lot of regular investors that have no real familiarity with either. We aim to fix that even if ever-so-slightly in...

Investing, Podcast

July 2, 2018

Patrick Delaney

Podcast93: The Bid That Could Change Your Life….!

Nobody likes to be suffering from something that they aren't aware of, particularly if it is a nasty and invasive something that has a long term impact on their well-being, & that could do so in a pretty significant way.......so this week we are going to explore and try to diagnose if anyone here is...

Investing, Planning, Podcast, Protection

June 25, 2018

Patrick Delaney

Podcast92: Develping A Career in Financial Services….with Hugh Murray

Thanks for joining us here on Ireland's only dedicated Financial Planning Podcast & Blog. We are on a mission to help you get what you want, and to help you make decisions which will help you lead a successful financial life, and to avoid costly mistakes. This week we are joined by Hugh Murray, founder of...

Behavioural, Later Life, Planning, Podcast

June 18, 2018

Patrick Delaney

Podcast91: The Emmet Savage Conversation…..

Welcome to Ireland's dedicated investing and Financial Planning Podcast & Blog. We are on a mission to enable our listeners to help themselves to a better financial life. Thanks for checking us out! It is not every week we get to chat to one of the most successful investors of recent times, who has also founded...

Behavioural, Investing, Podcast

June 11, 2018

Patrick Delaney

Podcast90: Should I Own Bonds? A 3-Portfolio Study

For decades Bonds have been touted as the elixir to an investors' nervous tendencies when investments hit volatility. If you look hard enough it will become clear that the only rationale for having Bonds in your investment portfolio is to help you cope when the market tanks again. Whether it is an existing pension fund...

Behavioural, Investing, Podcast, Retirement

June 4, 2018

Patrick Delaney

Podcast89: Financial Planning With The End In Mind

If we were to take a close and honest look at it very many of us, I'm guessing, would admit that we have not given much if any consideration to where our journey in life might take us, or indeed where we WANT it to take us. For some reason we don't accept the fact...

Behavioural, Investing, Planning, Podcast, Retirement

May 28, 2018

Patrick Delaney

Podcast88: My Worst Investment Ever….And What We Can Learn!

This week in Ireland's dedicated Financial Planning & Personal Finance Blog & Podcast we take a look at what has been my worst investment ever, but also my greatest lesson as an investor. I am an open book, and happy to share this with you, in the hope it may help others avoid the same...

Behavioural, Investing, Podcast, Retirement

May 21, 2018

Patrick Delaney

Podcast87: Just Start……

This week we are trying to share a simple message, an appeal to you, one which we hope will help move things forward for you in a positive direction. When we procrastinate about or delay committing to positive action we will always manage to rationalise it in our own heads, always! We are masters at...

Behavioural, Borrowing, Investing, Planning, Podcast, Protection, Retirement

May 14, 2018

Patrick Delaney

Podcast86: Small Cap Investing…When Small Is Big

Welcome back to Informed Decisions, Ireland's only dedicated Financial Planning Blog & Podcast. Hope you are winning! When it comes to investing in Ireland there are many folks that have no interest in what they are investing in, provided it makes them a decent return and it doesn't disappear over-night! Others like to take a closer...

Investing, Planning, Podcast, Retirement

May 7, 2018

Patrick Delaney

Podcast85: The 4 Big Pitfalls When Buying A Home

We don't ever go out of our way to be pessimistic on this blog, in fact we tend to be quite the opposite, having a firm belief that optimism is the only valid way when it comes to investing. However, when it comes to borrowing, which as we all know is essentially the...

Behavioural, Borrowing, Planning, Podcast

April 30, 2018

Patrick Delaney

Podcast84: Should I Buy Gold?

"Gold gets dug out of the ground in Africa or someplace. Then we melt it down, dig another hole, bury it again and pay people to stand around and guard it. It has no utility. Anyone watching from Mars would be scratching their head" Those remarks about the logic of owning gold as an investment were...

Investing, Podcast

April 23, 2018

Patrick Delaney

Podcast83: Peer 2 Peer Lending….What You Should Know

Welcome back to Ireland's dedicated Financial Planning Podcast & Blog. We have had a lot of enquiries about Peer 2 Peer Lending over the past few months, so we thought what better way to find out the detail than to interview a man that has been involved in it for many years. Oli Cavanagh is co-founder...

Borrowing, Investing, Podcast

April 16, 2018

Patrick Delaney

Podcast 82: A Last Resort……Section 72

In Blog 61 we mentioned Section 72 plans and said the following....These are creations of the Financial Services industry endorsed by the Revenue and are sold to people as a means to reduce or indeed eliminate a potential Inheritance or Gift Tax Bill down the road. They cost money and I am told are not...

Later Life, Planning, Podcast, Protection, Taxation

April 9, 2018

Patrick Delaney

Podcast81: Optimism Is The Way…….Sunday Times Article

Optimism is the madness of insisting all is well when we are miserable. These words are reported to have come from Voltaire, the acclaimed French writer and philosopher. I am neither a Frenchman or a philosopher but I would like to put forward the suggestion that Optimism is actually the only way! When backed by concrete...

Behavioural, Investing, Podcast, Retirement

April 2, 2018

Patrick Delaney

Podcast80: Humans Under Management…..with Andy Hart

Andy Hart is one of the UK's highest profile Financial Planners. He hosts his own Podcast, runs a successful Financial Planning firm, and is the organiser of the what is rapidly becoming UK's premier Financial Advisor & Planner Conference (Humans Under Management). And to top it all off he has invited me to share some...

Behavioural, Investing, Planning, Podcast, Retirement

March 26, 2018

Patrick Delaney

Podcast79: Saving For A Deposit Over 5 Years…..

Recently we had a few questions from people who were saving for deposits for their first homes. This week we had another, from Daniel (surname not shared for obvious reasons!), who having read our piece about the impact of inflation on deposit values over the medium term has been moved to get in...

Behavioural, Investing, Podcast

March 19, 2018

Patrick Delaney

Podcast78: Feedback & Presents

Regular readers of the Blog and listeners of the Podcast will know that we are on somewhat of a vocation here at Informed Decisions! We are striving to help people get what they want, to take control of their own financial futures. We are not doing this for the applause (though that is nice...

Podcast, Subscribe

March 12, 2018

Patrick Delaney

Podcast77: Losing Power With Deposit Accounts

It is fierce common lately to hear the financial industry give out about the rates of interest available through bank deposit accounts and to recommend that you should invest your money into XYZ Fund (which just so happens to generate a nice chunky commission for whoever is doing the recommending!). It's funny, they weren't saying...

Behavioural, Investing, Podcast, Retirement

March 5, 2018

Patrick Delaney

Podcast76: Evidence Based Investing…..with Robin Powell

This week we get to chat with a guy who is making quite a name for himself. He is advocating for greater investor education, in particular with regards to the long-running debate on the value of Active Fund Management versus Passive or Index investing. This is the latest episode in Ireland's only dedicated Financial Planning &...

Behavioural, Investing, Planning, Podcast, Retirement

February 26, 2018

Patrick Delaney

Podcast75: Business Success Series #1 – Paddy O’Connell

Welcome to Informed Decisions' very first 'Business Success Series'. Our main focus over the past 18 months has been Financial Planning and all aspects of Personal Finance. By all means have a look at our back-catalogue here. We have a huge interest here too in the success of others, and in business successes. For that...

Planning, Podcast

February 19, 2018

Patrick Delaney

Podcast74: How To Inherit A Home Tax Free……?!

It is fair to say that the Financial Advice industry in Ireland has a reputation for forcing products on people, only making money when they sell 'policies'. The truth is that advice has so much more to offer, if it is done right! That is where Financial Planning seems to come into play. A Financial...

Podcast

February 12, 2018

Patrick Delaney

Podcast73: What Should I Do With A Raise?

According to Central Statistics Office the average salary in Ireland (2016) of a full-time employee was a 'grocery-shop' more than €45,000. Knowing that figure might make you feel that you're doing well or it might make you feel like making progress on the income you are bringing in. In reality this is the main thing...

Behavioural, Investing, Planning, Podcast, Protection

February 5, 2018

Patrick Delaney

Podcast72 – They Died With Too Much Money…..So They Did!

Welcome back to another edition of the Informed Decisions Blog, Ireland's #1 Financial Planning Blog & Podcast! This week we will take on an obscure topic, a topic which is often left till the bitter end before we give it consideration! When it comes to focusing on your Financial Planning, Financial Independence or 'building wealth'...

Podcast

January 29, 2018

Patrick Delaney

Podcast71: The Greatest ‘Get-Rich-Quick’ Scheme Ever….

We all love an oul get-rich-quick scheme don't we!? Even if we know it's far too good to be try we will 'click' through or read beyond the head-lines, we just want to know more, 'sure its only looking'.......that is what has you reading this right now! Well I am on a mission to train...

Podcast

January 22, 2018

Patrick Delaney

Podcast70: Should I Invest in Commodities…..Moooooo!

Oxford dictionary define a commodity as 'A useful or valuable thing'. Another definition they put out there is 'A raw material or primary agricultural product that can be bought and sold, such as copper or coffee'. Whichever way you look at it, be that a useful and valuable thing, or indeed a basic product, Commodities...

Investing, Planning, Podcast, Retirement

January 15, 2018

Patrick Delaney

Podcast69: Is Euro Cost Averaging A Good Thing? (Chicken & Egg Version!)

Hey, We've spoken about volatility here before, and we have put it on a bit of a pedestal on account of it's hugely positive influence on the long term saver/investor who embraces it and recognises it as the huge ally it is. Euro Cost Averaging (Or Egg-Cost-Averaging as you'll see in a moment) is an...

Behavioural, Investing, Podcast, Retirement

January 8, 2018

Patrick Delaney

Podcast67: Why Resolutions Don’t Work (& What To Do Instead!)

We kick of 2018 full of optimism, gratitude and excitement for the year ahead. After what was hopefully a nice Christmas break we all are raring to go, and apparently as many as 50% of us (myself included!) feel that customary urge to set some resolutions for the year ahead. The top resolutions that we make...

Behavioural, Planning, Podcast

January 2, 2018

Patrick Delaney

Podcast #67: How Much Could I Save By Switching Mortgage? The Big Switcheroo!

What do most of us have......really really desperately wanted it initially..........but now we really really want to get rid of (a clue, it's not your partner!).................the answer is of course our mortgage! We have covered mortgages a few times on here, including the ever popular 'should I clear my mortgage or save for the future' episode....

Borrowing, Planning, Podcast, Protection

December 18, 2017

Patrick Delaney

Podcast #66: Financial Well-Being with Jason Butler…

Welcome to another episode of Ireland's #1 Financial Planning Blog & Podcast. This week we have a cracking interview with UK's Jason Butler, where we discover some tips and guidance on achieving financial well-being, getting our lives the way we want them to be. Jason has super insight on this aspect of life, and is now living...

Behavioural, Investing, Planning, Podcast

December 11, 2017

Patrick Delaney

Podcast #65- The War On Commissions……..(Green-Grocer Version!)

This week we are aiming to share some slightly different insights, and reveal some major news in the world of Financial Services in Ireland! Last week the Central Bank released a proposal which is due to come into force next year (subject to Dept. of Finance), which is aimed at maximising the protection consumers get...

Behavioural, Investing, Planning, Podcast

December 4, 2017

Patrick Delaney

Podcast #64: The 5 Simple Things….(I Promise!)

Welcome to Ireland's #1 Financial Planning Blog & Podcast. Our purpose is to help you make informed decisions with your money, and importantly to avoid some costly mistakes that they rest of us have made! We are aiming to make this THE home of Financial Planning ideas and insight for normal people in Ireland! This...

Borrowing, Investing, Later Life, Planning, Podcast, Retirement

November 27, 2017

Patrick Delaney

Podcast #63: Mortgage Free By 32!! The ‘2 Cup House’ Interview with Claudia Pennington

This week we are chuffed to share with you the story of the guys at '2 Cup House' in USA. They were living the life of modern trappings, and one day decided that they wanted a different route. It may not be for everyone but it is a great story that proves if you want to...

Podcast

November 20, 2017

Patrick Delaney

Podcast #62: When Jimmy Met Aggie……Life-Styling

Welcome to Ireland's #1 Finance Blog & Podcast. We are here to help you make informed decisions with your money...and ultimately to bring true Financial Planning to Ireland's normal people! This week we are taking a little peep into the magical world of Jimmy & Aggie.....how they have different views on life and money, and...

Later Life, Planning, Podcast, Retirement

November 13, 2017

Patrick Delaney

Podcast #61: The Emma Kennedy Interview (Mortgages. Kids & Money. Pension Reforms!!)

Welcome to our 61st edition of the informed Decisions Financial Planning Blog & Podcast. Did we mention we were recently voted Ireland's best?? Yes, we are Ireland's #1 Finance Blog & Podcast...! To celebrate our 61st Podcast episode we are joined by the one and only Emma Kennedy, journalist & up to recently Editor of Money...

Behavioural, Borrowing, Podcast, Retirement

November 6, 2017

Patrick Delaney

Podcast #60: Have You Made ‘The Empty Promise’??

This week we will take a look at the empty promise that we hear so many people make to themselves and to their loved-ones! This empty promise is akin to playing Russian Roulette with your loved-ones' financial well-being.....if you are a selfish gambler then perhaps its OK, for the rest of us it simply isn't,...

Planning, Podcast, Protection

October 30, 2017

Patrick Delaney

Podcast #59: “Tell Her To Shove Her AVCs….” [ AVCs – The Facts!]

Two lads were standing at the bar of a Friday night in October....their kids put to bed, they gather for their monthly 'Fischers Friday' in their local pub! Lad #1: "Hey, they're telling me I should do this AVC pension in work" Lad #2: "Whats an AVC?? Sure do you not have a pension already in work?" Lad...

Investing, Later Life, Planning, Podcast, Retirement

October 23, 2017

Patrick Delaney

Podcast #58: ‘Owning’ A Baby….The Costs! (Plus Our First ‘Hidden Track’!!!)

OK, we were being a bit mischievous in calling it 'owning'.....but if you have one you'll know that the responsibility lies squarely on your shoulders.....so you may as well 'own' the little darling!! We are not just gonna list off the usual baby stuff, as we like to do here we are going to invite...

Behavioural, Investing, Planning, Podcast, Protection, Taxation

October 16, 2017

Patrick Delaney

Podcast #57: Rebalancing Your Investments…..What is It & Is It Worth Doing??

This week we take on a subject which, while not that earth-movingly exciting, has gained in popularity over recent years in the investment industry, and that subject is rebalancing. Rebalancing, in the simplest and most honest terms can be described as taking money out of your 'winners' and putting it into your 'losers'! Please bear with...

Investing, Later Life, Planning, Podcast, Retirement

October 9, 2017

Patrick Delaney

Podcast #56: Core Satellite Investment Portfolios……Eh!?

While it might sound a little like a project to build the next NASA space-rocket this is a fairly simple investment approach that Irish investors have access to, so strap yourself in! Before we begin may I outline that the word 'satellite' is one of those words that I really struggle how to spell.....for some...

Investing, Later Life, Planning, Podcast, Retirement

October 2, 2017

Patrick Delaney

Podcast #55: The Impact Of Time On Investments…Tick Tock

It is the first thing people ask when they hear you work in the space of helping people manage money.....'What should I invest in?'. The only appropriate answer to that question, I believe is along the lines of 'it depends on what your objective is'. This answer usually isn't what they expect, they expect a...

Investing, Later Life, Planning, Podcast, Retirement

September 25, 2017

Patrick Delaney

Podcast #54: Wait For Armageddon Or Buy A House Now!?

There are many many people today in Ireland pining for their own home, looking to get onto the property ladder, sick of paying rent or perhaps living with parents or family. There are usually a one or more of the following barriers to them doing so; cannot get a mortgage large enough, cannot find a...

Borrowing, Planning, Podcast

September 18, 2017

Patrick Delaney

Podcast #53: Lifting The Lid On Fees….& How To Avoid The Sharks!

It's Showtime! If you swim too close to a shark it'll bite ya! If you have decent savings, investments and pensions you could be in danger of getting bitten too! We're here to help you understand if you are in danger of getting bitten, it's up to you as to whether to stay in that water...

Investing, Planning, Podcast, Retirement

September 11, 2017

Patrick Delaney

Podcast #52: The Investment Management Interview…with Will Sparks!

Thanks for tuning in to this weeks' Episode, our 52nd, and Informed Decisions' 1 year anniversary!! We bring you something pretty special, interviewing one of Ireland's brightest talents in regards Investment Management, Will Sparks. Will tells it like it is, so it was a pleasure to have him on the show, and in addition to that he...

Behavioural, Investing, Podcast, Taxation

September 4, 2017

Patrick Delaney

Podcast #51: Making Sure You Get To New York (Managing Investment Risk!)

Hey! In a recent blog we took a look at the big 6 risks which exist when it comes to managing ourselves and our money. We had everything from ostrich risk (sticking our head in the sand!) to longevity risk (living too long!). This time around we are going to focus on practical tools we...

Investing, Planning, Podcast, Retirement

August 28, 2017

Patrick Delaney

Podcast #50: Is This The Best Mortgage Ever….!?

Hey all, in this 50th episode of the Informed Decisions Financial Planning Podcast we will aim to share insights on the very best mortgage that you can get here in Ireland; whether you are aiming for your first mortgage or have a collection of them we hope to share ideas which will save you a...

Borrowing, Planning, Podcast

August 21, 2017

Patrick Delaney

Podcast #49: The Coaching Interview – With Professional Coach Niall English

We are joined by Professional Coach Niall English, to uncover exactly what coaching is, how it can be of benefit to us in achieving the things we want to achieve. We also take a look at how it might be useful if you find yourself in need of making some changes to your finances. Here at...

Behavioural, Borrowing, Investing, Later Life, Planning, Podcast, Protection, Retirement

August 14, 2017

Patrick Delaney

Podcast #48: How ETFs Are Taxed Versus Shares & Retail Investments

Hey, welcome to the latest Episode......This week we follow-up on our promise to share with you guys how ETFs are taxed here in Ireland. Like a lot of stuff these days there is a lot of info floating around about this topic, and if any of you have gone looking to get definitive answers it...

Investing, Podcast, Taxation

August 7, 2017

Patrick Delaney

Podcast #47: The Dangers Of Trivial Pensions……And How To Avoid Them!

When It Comes To Pension Planning We Will Get Our Just Deserts: Deserts is apparently the plural of 'desert' which is 'that which one deserves'....honestly I always assumed it was to do with the jelly & ice-cream type of desserts.....but had never given it much thought in fairness! The same is most certainly true of Pensions....

Later Life, Podcast, Retirement

July 31, 2017

Patrick Delaney

Podcast #46: Why Most Financial Plans Are Absolute Faff!

The noun Faff has been defined by the Oxford Dictionary as 'A great deal of ineffectual activity'.......most financial plans are absolute faff! So there, I said it! I said it, and the fact of the matter is that it is pretty true. Any plan worth it's salt with regards to pretty much anything will be mostly...

Behavioural, Planning, Podcast

July 24, 2017

Patrick Delaney

Podcast #45: Investing in Exchange Traded Funds (ETFs)…The Facts

Hey, and welcome to another episode of Informed Decisions Financial Planning podcast here in Ireland. If you have ever asked yourself: What are ETFs?...... How Do I invest in ETFs?....... How Do ETFs actually work?..... Are ETFs Risky?..................Then this episode will hopefully give you some useful information. This time around we are taking a look under the bonnet of Exchange Traded...

Investing, Podcast, Retirement

July 17, 2017

Patrick Delaney

Podcast #44: Noah’s ARF…..A Biblical Retirement Fund!

Hopefully this is the episode that will give you some insights on the mystery that is ARFs, or do I mean ARKs!?.......... Apparently Noah's Ark was made of 'cypress wood' and was in the region of 500 feet long. It was said to have been quite a boat, large enough to hold 125,000 sheep if those...

Planning, Podcast, Retirement

July 10, 2017

Patrick Delaney

Podcast #43: Breaking The Banks…The Brett King Interview

Needless to say it is a bit of a coup to have a Fintech Legend that has 9 million monthly listeners to his hit radio show 'Breaking Banks' in New York come on our show! An Australian based in New York, Brett King has taken a circuitous route to being a Global thought-leader in the FinTech...

Behavioural, Planning, Podcast

July 2, 2017

Patrick Delaney

Podcast #42: PCP Finance…A Drug or A Car Finance Product?!

PCP ('Phencyclidine' - not sure how that is pronounced!) was introduced in the 1950's as an anesthetic but was shelved in the 60's due to it's potentially lethal hallucinogenic effects. It was this hallucinogenic effect that made it so popular with recreational drug users and they have been producing it under the title of 'Angel...

Behavioural, Borrowing, Podcast

June 26, 2017

Patrick Delaney

Podcast #41: Interview with Stephen Browne – CashFlow Forecasting Tools

Welcome to Episode #41 of the Informed Decisions Financial Planning Podcast, still the only dedicated Podcast of it's type here in Ireland! In this episode Paddy speaks with Stephen Browne, who is owner and distributor of Voyant here in Ireland. There are several providers of this type of software for Financial Advisors and Planners, such as...

Behavioural, Borrowing, Investing, Later Life, Planning, Podcast, Protection, Retirement, Taxation

June 19, 2017

Patrick Delaney

Podcast #40: What is The Difference Between Volatility And Risk in Investing??

Last week we explored what will happen when the next crash comes......and importantly how we will react. It is the volatility of things which causes us to react, not the risk! Volatility is not risk, risk is not volatility. I'm not trying to be profound (it's not one of my strengths!). In today's world the...

Behavioural, Investing, Planning, Podcast

June 12, 2017

Patrick Delaney

Podcast #39: The Crash is Coming……..What Will You Do!?

Regular readers & listeners will by now know that Informed Decisions isn't in the space of trying to predict the markets, we leave that to the fortune-tellers of this world! We don't see any benefit in dissecting the daily news-feed and trying to interpret what that means for our investments, pensions, property prices etc. Nobody can...

Behavioural, Investing, Planning, Podcast

June 6, 2017

Patrick Delaney

Podcast #38: The Problem With Bloody Life Cover!

We were humbled to have been contacted by the Irish Times a few weeks ago and asked for our opinion on life cover for an article by journalist Eithne Dunne, published in the Sunday Times on 21st May. We wholeheartedly gave our 'tuppence-worth' on some of the things we believe are important to consider when...

Planning, Podcast, Protection

May 29, 2017

Patrick Delaney

Podcast #37: The Emerging Science of Positive Psychology with Dr. Jolanta Burke

Many of us have heard of psychology, many of us have heard of positivity, yet not many of us have heard of Positive Psychology, which is an emerging science in and of itself. That's why we are bringing it to you, and looking at how we can utilise it in managing our finances. In this episode...

Behavioural, Podcast

May 22, 2017

Patrick Delaney

Podcast #36: Is It Profitable Being a Landlord?

Apparently 66% of the 70,000 'landlords' in Ireland own 1 investment property. Surely you don't want to look a gift horse in the mouth, you want to be one of these? "Sure property prices are climbing, you'd be mad not to own at least one investment property". You buy the place and rent it out so...

Borrowing, Investing, Planning, Podcast

May 15, 2017

Patrick Delaney

Podcast #35: Teaching Our ‘Kids’ About Money

We all know that money is not the be all and end all.....most of us appreciate that there is more to life and more to being a decent human. We might also recognise that living a fulfilled life is not about having full bank accounts, but it sure does help to have sufficient money to...

Behavioural, Investing, Podcast

May 8, 2017

Patrick Delaney

Podcast #34: Help, My Defined Benefit Pension Scheme is Closing!

Hi All, In this episode we empathise whole-heartedly, then delve and explore the options available to the many many thousands of employees who have 'lost' their Defined Benefit Pension Schemes in recent times. All is not lost however! Most 'normal people' out there (with the exception of financial nerds & indeed yours truly until I started working...

Podcast, Retirement

May 1, 2017

Patrick Delaney

Podcast #33: The 6 Big Risks & What To Do About Them….USA Style!

Risk. The Oxford Dictionary defines risk as 'the possibility of something unpleasant or unwelcoming happening'! It is therefore not a word which most of us are that much inclined towards. There are many forms of risk which many of us don't really think of until it happens! In this episode we will unearth these risks, and...

Investing, Podcast, Retirement

April 24, 2017

Patrick Delaney

Podcast #32: Minimise Tax For Married Couples & Civil Partners in Ireland…..What’s Love Got To Do With It!?

(more…)...

Planning, Podcast, Taxation

April 21, 2017

Patrick Delaney

Podcast #31: All About Income Tax & What We Can Do About It

Welcome to Episode 31 of The Informed Decisions Financial Planning Podcast. I must admit that this Podcast Episode took all of my human efforts, Tax is not a subject I especially enjoy but you are worth it! In this episode we explore how Income Tax works, what other tax is generally taken at source, and how...

Planning, Podcast, Taxation

April 10, 2017

Patrick Delaney

Podcast #30: Why You Don’t Need Financial Advice…..You Need This!

Welcome to Episode 30 of The Informed Decisions Financial Planning Podcast. In this episode I am going to open the can on Financial Advice full stop! I am going to outline why you don't need any initially, and how you can help yourself. For the past 2 weeks...

Planning, Podcast

April 3, 2017

Patrick Delaney

Podcast #29: Behavioural Finance (Part 2) with Dr. Daniel Crosby (& Our Annual Survey Results!)

Welcome to the latest Podcast in Ireland's only dedicated resource on Financial Planning for millennials. In this episode we bring you Part 2 of the Dr. Daniel Crosby Interview (New York Times Best-Seller might I add!) as well as the results of our Annual Listener Survey. I promise to be as concise as is feasible! If...

Behavioural, Podcast

March 27, 2017

Patrick Delaney

Podcast #28: New York Times Best Seller- Dr. Daniel Crosby on ‘The Laws of Wealth’ (Part1)

It is not too often that we get to speak to a New York Times Best Seller in this Industry, so we were chuffed to speak to Dr. Daniel Crosby, a specialist in Behavioural Finance. If this term is new to you then you are in for a treat. If you are familiar with it...

Behavioural, Podcast

March 20, 2017

Patrick Delaney

Podcast #27: Saving For My Kids Education in Ireland…Part 2 (Not Just For Parents!)

In this episode Paddy follows up on last week's show and shares the main ways of saving for education. Importantly it will highlight the main pros and cons of each and give you a sense of realistic growth expectations from each. If you would like to see the blog version of this episode you can...

Investing, Planning, Podcast

March 13, 2017

Patrick Delaney

Podcast #26: Saving For My Children’s Education? Part 1 of 2 (Not Just For Parents!)

In this episode Paddy shares the main costs of education so you can begin planning, but importantly will open your eyes as to 'how' to achieve the fund necessary to cover such costs! In Part 1 we share illustrations to show you what is involved in getting to your goal. Part 2 (next week) will...

Behavioural, Investing, Planning, Podcast

March 6, 2017

Patrick Delaney

Podcast #25: How To Destroy That Credit Card Balance, Quickly!

Hi, Welcome Back! It was in my 'schedule of topics to blog about' and it seems it is timely as in the past 3 weeks only I have been asked about the above topic on 3 different occasions. In addition to that my present wife & I have just returned from a weekend city break to UK,...

Podcast

February 27, 2017

Patrick Delaney

Podcast #24: We Need You! Have Your Say & I’ll Donate €200 To Irish Cancer Society…..(The Informed Decisions Annual Survey)

Hi All, This week we are sharing something a little 'off topic'! I have been looking for an opportunity to donate, so for every completed Informed Decisions Survey in the next 6 days I will donate €1 to Irish Cancer Society. Given that I am doing all 'this' at no monetary gain I need to...

Behavioural, Podcast

February 20, 2017

Patrick Delaney

Podcast #23: I’m In My Mid-30’s & You Say I Need A Will??

Hi, Firstly, thanks for joining us! If you are a new visitor to Informed Decisions, have a quick look over here to find out what we are all about. If not, welcome back to Ireland's only dedicated Personal Finance & Financial Planning Podcast! Everyone has been told to do one, but the 'why...

Behavioural, Later Life, Podcast

February 13, 2017

Patrick Delaney

Podcast #22: WeSavvy CEO & Founder Hesus Inoma – The Future of Our Insurances

Hi, Delighted to have sat down with influential insurance 'evangelist', Hesus Inoma. Hesus is founder & CEO of WeSavvy, a Dublin-based start-up in the process of reshaping how we engage and manage our insurances. If you have ever gotten a Health, Home or Motor Insurance renewal letter in the post or via email you will know it...

Podcast

February 6, 2017

Patrick Delaney

Podcast #21 – How Much Is My Car Costing Me, Really??

Hi, Thanks for popping in to listen to this weeks' Episode, which promises to be an interesting one for anyone who owns a car (so that represents the vast majority of us!). If you are new here please do check out this page, which will tell you a little about why this project exists and what...

Podcast

January 30, 2017

Patrick Delaney

Podcast #20 – What is Income Protection & Should I Bother??

Hi again dear listener! If you are new here, welcome! This is a great place to begin the journey if you are a new visitor. This is the 2nd in our 'financial foundations' series, and will further explain one of the many protection options available to us all in...

Podcast, Protection

January 23, 2017

Patrick Delaney

Podcast #19- What is Specified Illness Cover, And Should I Bother?

Hi, Welcome to Informed Decisions Podcast #19! Thanks for continuing to listen and learn about critical aspect of Personal Finance & Financial Planning. Specified Illness has been getting the 'Joe Duffy Treatment' for years, lets see if it is deserves it!

Shownotes: If...

Podcast, Protection

January 17, 2017

Patrick Delaney

Podcast #18 – Clear My Mortgage Early or Invest For My Future

Hi All, Thanks for visiting the Informed Decisions Blog. The last few Blogs have been focused on informing you on how you can access money from your Pensions, both Personal Pensions and Employer Company Pension Schemes, when that time comes. If you are a new visitor you can check these out here and here! For many...

Borrowing, Investing, Podcast, Retirement

January 9, 2017

Patrick Delaney

Podcast #17- How Can I Access My Pension Money, Part 2….Cakified!

Happy New Year! It's Officially 2017, and I genuinely wish you every success in whatever you are aiming for in the coming year. How can I take my Pension? The first part of the answer to this question was launched last week (click here), and this week we tackle the second part to this, getting...

Later Life, Planning, Podcast, Retirement

January 3, 2017

Patrick Delaney

Podcast #16: How Can I Access My Pension Money?…….Cakified!

Hey, We are almost at the very end of 2016, much like all the years before it there was lots happening for everyone. If you had plans for the year you probably have reviewed them and identified what you want out of 2017. Or perhaps you didn't have plans, which probably accounts for many of us....

Podcast

December 27, 2016

Patrick Delaney

Blog #14- When Can I Retire…..?

Hey, It's one of those questions that many of us often consider, we possibly even have a quick look online for information, and then it fades out of mind and may be revisited in a few years! As a result we can miss out on forming a clear plan around what age we actually want to keep...

Podcast, Retirement

December 19, 2016

Patrick Delaney

Podcast #15: When Can I Retire?…………..Great Question!

Hey! If you have ever wondered about any of the following: What age can I get the State Pension? When can I access my other Pension Funds? How much will the State Pension Provide me with? If your answer to any of these is 'yes' then this episode is right up your alley! Next week we will look into how one...

Podcast

December 19, 2016

Patrick Delaney

Podcast #14: First Time Buyers & Existing Mortgage Holders….Take Control!

Hi, Whether you are a first time buyer or are an existing mortgage holder Paddy Delaney (QFA, RPA, BBS) shares some useful information on how to take control of your mortgage, and the benefits of doing so. A recent survey suggests that a large portion of us millennials don't care about the future, merely about the 'now'! Indeed...

Podcast

December 12, 2016

Patrick Delaney

Podcast #13: The 7 Powerful Tax Reliefs & Allowances You Should Be Claiming!

Hi All, Thanks for tuning in again, this time to Episode 14. Paddy Delaney (QFA, RPA, APA, BBS) outlines the top 7 reliefs, allowances and benefits to claim your full tax benefit, and get the money you are due into your bank account! Below are some links to further useful information.......enjoy!

Planning, Podcast

December 5, 2016

Patrick Delaney

Podcast #12: What is The Best Life Insurance Cover For Me??……….Who Knows!

Hi There, Thanks for tuning in! Life Cover, Life Insurance, Life Assurance......call it what you will, the fact is that there are many ways we can put this in place, and many different types of cover to choose from. Which is the best Life Cover for me? In this episode Paddy shares information regarding the most common types...

Podcast, Protection

November 27, 2016

Patrick Delaney

Podcast #11: Asset Class Basics & Diversifying Your Investments & Savings

Hi there! Investments can be ferociously complex things, and made even more complex by some, for their benefit and not yours! This episode of the Informed Decisions Personal Finance podcast shares some basic insights to the 5 main Asset Classes, giving you a working understanding of what they each are and what sort of volatility they each...

Investing, Podcast, Retirement

November 18, 2016

Patrick Delaney

Podcast #10: Cohabiting Couples in Ireland…….Avoid a Shocking Big Inheritance Tax Bill

Hi Guys, Thanks for tuning in to Episode 11 of the Informed Decisions Podcast. In this episode we will share with you one of the largest and most unknown potential tax bills that cohabiting couples can be faced with, and a few pointers on your options to help ensure it's never an issue for you. Please continue...

Planning, Podcast

November 13, 2016

Patrick Delaney

Podcast #10: How to Invest Wisely & Successfully

Hi, Thanks for tuning in again! In previous episodes we have discussed the basics of emergency funding, clearing debts and having awareness of where our money goes. Assuming that you have those things in order (or on the way to being in order!) here is a useful podcast episode sharing the key things to consider before you...

Investing, Podcast

November 6, 2016

Patrick Delaney

Podcast #9: Our First Guest Episode! Physical Health Expert Andrew Hageman- Are Physical & Financial Health Linked?

Episode 9 of the Informed Decisions Podcast introduces Physical Health expert Andrew Hageman of Meath-based A&S Fitness. We discuss links between Financial & Physical health, reasons to pursue both and some really useful tips to get on the path to physical (and subsequently financial) wellbeing. Andrew shares his personal story, his vision for giving ourselves the...

Behavioural, Podcast

October 28, 2016

Patrick Delaney

Podcast #8: How to Pay Off Your Mortgage Debt Early

Discover the benefits and indeed the savings to be had from clearing your debt early. While it is not something everyone can aim to do, there may be scope for many to make small changes to save lots of interest, and to be free of debt earlier than expected. Irish Mortgage holders might be able...

Borrowing, Podcast

October 17, 2016

Patrick Delaney

Podcast #7: How Much Life Cover is really Enough?

One of the other core foundations to an effective Financial Plan is to have a back-up in case you aren't around to see it through, Life Cover can play a part in that! Many folks in Ireland wonder if they need it, what does it really do (seeing as they won't be around to benefit!), and...

Podcast, Protection

October 8, 2016

Patrick Delaney

Podcast #6: Rent or Buy??

Hi All, Paddy & John shed (pardon the pun!) some light on what is the best way to go, rent your home, or take the plunge and buy it with the help of a mortgage. Both have experience from a personal & professional perspective and share their thoughts on how best to consider this question......plus some...

Borrowing, Podcast

October 2, 2016

Patrick Delaney

Podcast #5: An Easy & Pleasant Intro to Pensions!

Hi All, Colm McCarthy (our esteemed Irish Economist) recently said "retirees don't eat equities and bonds for their breakfast, they eat rashers and eggs and bread and stuff".......meaning we need cash to survive and feed ourselves in retirement, not funds and technical products. Paddy & John discuss why this matters and how we can begin to consider...

Podcast, Retirement

September 23, 2016

Patrick Delaney

Podcast #4: Personal Finance Budgets…..the joys!

Many of us deal with budgets in a work environment, everything revolves around budgets. Yet for many the thoughts of budgeting our own finances seems alien! Paddy & John discuss the merits and the ways to approach budgeting, and most importantly WHY bother! A large emphasis is on identifying your own personal Financial Goal, then and only...

Behavioural, Borrowing, Podcast

September 16, 2016

Patrick Delaney

Podcast #3: Emergency Funding (with our Guest Co-Host!)- Live on iTunes!!!

For many of us establishing an Emergency Fund may seem like an unnecessary hassle, or indeed an impossible mountain to climb. Your new co-host John McQueirns, and Paddy discuss the ins and outs, and importantly the best ways to get started on this journey. This is the first Podcast the 2 guys have embarked on together,...

Behavioural, Podcast

September 10, 2016

Patrick Delaney

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