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Category Archives: Podcast

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...

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...

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...

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...

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...

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...

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...

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...

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...

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 #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...

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...

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...

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 #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...

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 #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...

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...

Podcast #1: An Introduction!

Hi! What a day for Informed Decisions, and all the fans of Personal Finance in Ireland and beyond! This is the very first episode of what is Ireland's very first dedicated Personal Finance & Financial Planning Podcast! This introductory episode is aimed at giving you a sense of who Paddy is, and what he's aiming to share...