Category Archives: Behavioural

Blog82: When Simplicity Rewards Investors Handsomely……

Blog82: When Simplicity Rewards Investors Handsomely……

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, Retirement

August 6, 2018

Patrick Delaney

Podcast99: When Simplicity Rewards Investors

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

Blog80: The Mexican Fisherman…..

Blog80: 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...

July 23, 2018

Patrick Delaney

Podcast97: The Mexican Fisherman……..

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

Blog78: The 3 Characteristics Which Suggest You Should Not Invest In Equities….

Blog78: 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...

Behavioural, Investing, Planning, Retirement

July 9, 2018

Patrick Delaney

Blog76: A Bid That Could Change Your Life…..!

Blog76: A 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...

Behavioural, Investing, Planning, Retirement

June 25, 2018

Patrick Delaney

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

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…..

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

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

Blog75: Should I Own Bonds Now?

Blog75: Should I Own Bonds Now?

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, Retirement

June 4, 2018

Patrick Delaney

Blog74: Beginning With The End In Mind……

Blog74: Beginning 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, Later Life, Planning, Retirement

May 28, 2018

Patrick Delaney

Podcast89: Financial Planning With The End In Mind

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

Blog73: My Biggest Investment Lesson, So Far!

Blog73: My Biggest Investment Lesson, So Far!

It is Blog 73, and it is my very first Blog as a self employed individual! In the 2 years that I have been writing and creating this content, this is the fist one that I am actually doing during the day on a Monday to Friday. It is the first time not writing either...

Behavioural, Investing

May 21, 2018

Patrick Delaney

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

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

Blog71: Just Start…..Please!

Blog71: Just Start…..Please!

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, Investing, Planning, Retirement

May 20, 2018

Patrick Delaney

Podcast87: Just Start……

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

Blog 70: Small Cap Investing…….When Small Is Big!

Blog 70: 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 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 look at...

Behavioural, Investing, Retirement

May 7, 2018

Patrick Delaney

Podcast85: The 4 Big Pitfalls When Buying A Home

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

Buying Your First Home……The Pitfalls

Buying Your First Home……The Pitfalls

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 reverse...

Behavioural, Borrowing, Planning

April 30, 2018

Patrick Delaney

Blog68- A Last Resort……Section 72 Plans

Blog68- A Last Resort……Section 72 Plans

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...

Behavioural, Later Life, Planning, Protection, Retirement, Taxation

April 9, 2018

Patrick Delaney

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

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

Blog67- Optimism Is The Way When Investing……..(Sunday Times Article)

Blog67- Optimism Is The Way When Investing……..(Sunday Times Article)

Hi, and welcome back to the latest edition of Informed Decisions Financial Planning Blog & Podcast! This week we are sharing with you an article we wrote for The Sunday Times, which ironcially appeared in the paper on April Fool's Day 2018! Here is the article below. We hope it conveys what is our philosophy in...

Behavioural, Investing, Planning, Retirement

April 2, 2018

Patrick Delaney

Podcast80: Humans Under Management…..with Andy Hart

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…..

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

Blog65- Feedback & Presents!

Blog65- Feedback & Presents!

Hope you are all safe and well after Storm Emma. As a result of my own gallivanting in the snow I was struck-down by the dreaded man-flu.......but fear not I have survived! I was heartened and was sure to point out profusely to my wife that a British Medical Journal found last year that man-flu...

Behavioural, Subscribe

March 12, 2018

Patrick Delaney

Podcast77: Losing Power With Deposit Accounts

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

Blog64- The Risk Of Deposit Accounts….Losing Power

Blog64- The Risk Of Deposit Accounts….Losing Power

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

March 5, 2018

Patrick Delaney

Podcast76: Evidence Based Investing…..with Robin Powell

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

Blog62- What Should I Do With A Salary Raise?!

Blog62- What Should I Do With A Salary 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, Borrowing, Investing, Planning

February 5, 2018

Patrick Delaney

Podcast73: What Should I Do With A Raise?

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

Blog61- They Died With Too Much Money………..So They Did

Blog61- 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'...

Behavioural, Later Life, Planning, Taxation

January 29, 2018

Patrick Delaney

Blog60 – The Ultimate ‘Get-Rich-Quick’ Scheme…..(You Tulip!)

Blog60 – The Ultimate ‘Get-Rich-Quick’ Scheme…..(You Tulip!)

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...

Behavioural, Investing

January 22, 2018

Patrick Delaney

Blog59 – Should I Be Investing In Commodities………Mooooo!

Blog59 – Should I Be Investing In Commodities………Mooooo!

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...

Behavioural, Investing, Planning, Retirement

January 15, 2018

Patrick Delaney

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

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

Blog58: Is Euro-Cost-Averaging A Good Thing!?…..(Chicken & Egg Version!)

Blog58: 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, Borrowing, Investing, Planning

January 8, 2018

Patrick Delaney

Blog57- Don’t Bother With New Year Resolutions……

Blog57- Don’t Bother With New Year Resolutions……

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...

January 2, 2018

Patrick Delaney

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

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 #66: Financial Well-Being with Jason Butler…

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!)

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

Blog #54- The 5 Simple Things…..(I Promise!)

Blog #54- The 5 Simple Things…..(I Promise!)

Welcome to Ireland's #1 Finance 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 information and insight for normal people here in Ireland! This...

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

November 27, 2017

Patrick Delaney

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

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

Blog #52- Have You Made ‘The Empty Promise’…….Havvvve Youuu?!

Blog #52- Have You Made ‘The Empty Promise’…….Havvvve Youuu?!

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,...

Behavioural, Planning, Protection

October 30, 2017

Patrick Delaney

Blog #51- Anyone For AVCs??…….”Tell Her To Shove Her ABC’s!”

Blog #51- Anyone For AVCs??…….”Tell Her To Shove Her ABC’s!”

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...

Behavioural, Investing, Later Life, Planning, Retirement

October 23, 2017

Patrick Delaney

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

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

Blog #46- “Waiting For Armageddon” – Buy A House Now Or Wait For The Crash??

Blog #46- “Waiting For Armageddon” – Buy A House Now Or Wait For The Crash??

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...

Behavioural, Borrowing

September 18, 2017

Patrick Delaney

Blog #45- Shark Warning – Lifting The Lid On Fees!!

Blog #45- Shark Warning – Lifting The Lid On Fees!!

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 or...

Behavioural, Investing, Planning, Retirement

September 10, 2017

Patrick Delaney

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

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

Blog #44- Making Sure You Get To New York (Managing Investment Risk!)

Blog #44- 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...

Behavioural, Investing, Planning

August 28, 2017

Patrick Delaney

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

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

Blog #40- Why Most Financial Plans Are Absolute Faff…….

We are not writing or dictionary aficionados here but 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...

Behavioural, Planning

July 26, 2017

Patrick Delaney

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

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 #43: Breaking The Banks…The Brett King Interview

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

Blog #37- PCP….A Drug or A Lease Agreement?!

Blog #37- PCP….A Drug or A Lease Agreement?!

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

June 26, 2017

Patrick Delaney

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

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

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

Blog #36- What is The Difference Between Volatility And Risk in Investing??

Blog #36- 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

June 12, 2017

Patrick Delaney

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

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!?

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

Blog #35- The Crash is Coming……Run For Your Lives!

Blog #35- The Crash is Coming……Run For Your Lives!

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

June 6, 2017

Patrick Delaney

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

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

Blog #33- Is It Profitable Being A Landlord??……..The Maths!

Blog #33- Is It Profitable Being A Landlord??……..The Maths!

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...

Behavioural, Investing, Planning, Retirement

May 15, 2017

Patrick Delaney

Podcast #35: Teaching Our ‘Kids’ About Money

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

Blog #32- Teaching Our Kids About Money

Blog #32- Teaching Our Kids About Money

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 make your own decisions...

Behavioural, Investing

May 8, 2017

Patrick Delaney

Blog #27- You Don’t Actually Need Financial Advice, You Just Need To Do This….

Blog #27- You Don’t Actually Need Financial Advice, You Just Need To Do This….

In this blog 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. Welcome to Ireland's only dedicated resource on Financial Planning for millennials. As always I would encourage you, if you are new here, to have...

Behavioural, Planning

April 3, 2017

Patrick Delaney

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

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

Blog #26- A Very Special Interview & Our Annual Survey Results…..

Blog #26- A Very Special Interview & Our Annual Survey Results…..

Welcome to the latest blog post in Ireland's only dedicated resource on Financial Planning for millennials. In this Blog we will cover a lot of ground, but I promise to be as concise as is feasible! We want to share two really exciting updates with you; a very special interview and the results of our...

March 27, 2017

Patrick Delaney

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

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

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

Blog #24- Saving For My Children’s Education? Part 1 of 2 (Not Just For Parents!)

Blog #24- Saving For My Children’s Education? Part 1 of 2 (Not Just For Parents!)

Hey, Welcome to this, the BIG ONE! Many of us are in the space of considering how best we fund for the education of our kids. Every few months we will see an article in a paper or an advert on TV or online which reminds us of the need to save for this 'big expense'....

Behavioural, Investing, Planning

March 6, 2017

Patrick Delaney

Blog #23- How To Reduce Your Credit Card Balance Quickly

Blog #23- How To Reduce Your Credit Card Balance Quickly

Hi, 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! As always, you can check out our Podcast, Ireland's only dedicated Personal Finance & Financial Planning Podcast. If you wish to listen to this instead of read,...

Behavioural, Borrowing

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)

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

Blog #22- Have Your Say & I’ll Donate €200 To Irish Cancer Society…..(The Informed Decisions Annual Survey)

Blog #22- 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 this year, 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...

Behavioural, Planning

February 20, 2017

Patrick Delaney

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

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

Blog #20- How Much Does My Car Actually Cost Me?

Blog #20- How Much Does My Car Actually Cost Me?

Hi, and thanks for popping in to read this weeks' Blog, 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...

Behavioural, Planning

February 1, 2017

Patrick Delaney

Blog #14 – How to Avoid The #1 Investment Mistake We Make

Blog #14 – How to Avoid The #1 Investment Mistake We Make

Hi, Thanks for taking the time to click through and read this Blog, I can guarantee that it will have a positive impact on you, possibly save you from making a really big mistake in the near future, and possibly ensure you stand to profit in a big way. How does that grab you!? I drove across...

Behavioural, Investing

November 9, 2016

Patrick Delaney

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

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

Blog #12- Four Common Money Mistakes Which Make Us Poor (& how to avoid them!)

Blog #12- Four Common Money Mistakes Which Make Us Poor (& how to avoid them!)

Hey All, http://eepurl.com/b02c1D I love writing this blog, I really do. When people reach out to say that 'this blog' or 'that podcast' has helped them I honestly get the 'tingles', and not in a weird way! We have had literally hundreds of downloads of the podcast in the past few days alone, if you haven't already...

Behavioural, Borrowing, Planning, Protection

September 21, 2016

Patrick Delaney

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

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!!!

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

Podcast #2: 6 Key Tips To Get You Started

Podcast #2: 6 Key Tips To Get You Started

Hello again and welcome to Episode 2, another milestone! Many folk think that Financial Planners and Advisors have all the answers, the truth is that you have the answers, and your advisor supports you by providing the technical advice & tools to get you to where you want to go! Plus in this episode I...

Behavioural, Podcast

August 31, 2016

Patrick Delaney

God Give Me Patience, But I Want It Right Feckin’ Now!

God Give Me Patience, But I Want It Right Feckin’ Now!

God Give Me Patience, But I Want it Right Feckin' Now Those were the word on a tongue-in-cheek wall plaque in my Grandmother's kitchen in 'Lovely Laois' over 20 years ago. As a very religious woman it was a little risque but this reflected her deep wit and ability to keep you guessing! I imagine it...

August 13, 2016

Patrick Delaney

Blog#6- This will change your life…..(in 2 minutes, only 2 minutes!)

Blog#6- This will change your life…..(in 2 minutes, only 2 minutes!)

Hi there, Thanks for tuning in to week 6, hard to believe where the time is going, it's flying! A close friend of the family died during the week, a man who loved numbers, who approached everything with an eye on the numbers, and was always planful and considered, yet he was a 'gas ticket' and loved...

Behavioural, Planning

July 23, 2016

Patrick Delaney

Please UnSubscribe………! (in 4 minutes)

Please UnSubscribe………! (in 4 minutes)

Hi all, The title above could be misleading, I'm obviously not asking you to unsubscribe from your helpful weekly updates from InformedDecisions.ie (thanks to you all for continuing to read!), so what then? 2 things:

1). Constant Temptation to Buy Unnecessary Items

Getting back to the basics we discussed in Blog...

July 13, 2016

Patrick Delaney

Blog #4 – How to be a financially agile Squirrel! (..in 4.5 minutes)

Blog #4 – How to be a financially agile Squirrel! (..in 4.5 minutes)

Hey there, and thanks for reading our 4th Blog. Assuming you aren't squeamish about squirrels you are still with me! At this stage you hopefully recognise that the info shared here is aimed at helping you be more informed and more prepared in avoiding mistakes with your personal finances. Feedback from you...

Behavioural, Investing

July 8, 2016

Patrick Delaney

Blog# 3- Basic Stepping-Stones to Managing Your Finances (3-Minutes to read)

Blog# 3- Basic Stepping-Stones to Managing Your Finances (3-Minutes to read)

"Would I like to bring my wife out to dinner??".......................more on this a little later! Over the next number of weeks I will share some basic fundamentals of managing and preparing your finances, and establishing the foundations to be in good shape! In the absence of a fruitful and abundant Cash-Tree in our back gardens (Blog#2)...

July 1, 2016

Patrick Delaney

Blog #2 How’s your Cash-Tree?

Blog #2 How’s your Cash-Tree?

Hi, The time has come to ask the BIG Question in regards your finances, the very foundation of it all.......What does money mean to you? Whether you are self employed, an employee or not earning an income, what exactly does money do for you? From my experience, for some it means the world, they are obsessed and...

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

June 25, 2016

Patrick Delaney

Blog #1 What is this blog about, and why should I bother reading it!?

Blog #1 What is this blog about, and why should I bother reading it!?

Hi! Welcome to the very first official Blog post from InformedDecisions.ie, with me, Paddy Delaney! Firstly, to hear a bit more about me, and why this site now exists in Ireland please have a quick read here. So, why should you keep reading this blog!? 1)...

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

May 11, 2016

Patrick Delaney