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Author Archives: Fran Cooke
The Disastrous New Pension Levy: Pushing out the Retirement Age Further……
Whilst everyone in the country is happy to see a new jobs initiative the proposed funding of this via a pension levy is both unfair and inequitable. To clarify, the government are proposing raising €470m per annum over the next … Continue reading
Posted in Pensions
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First time buyers: Why 2011 may be a great time to buy a house
If you are a first time buyer, you might be looking at the market and wondering if now is the time to take that first step onto the property ladder. You might be encouraged by how much house prices have … Continue reading
Posted in First Time Buyer, Mortgage
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I am a first time buyer: PLEASE HELP ME…
To those of us who have been *lucky* to have been on the property ladder for a number of years, the concerns and fears of the first time buyer may seem somewhat trivial perhaps non-existent. However, when you consider buying … Continue reading
Posted in First Time Buyer, Mortgage
Tagged first time buyer, house, mortgage, property
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The Value of a Tracker Mortgage
I have a client who was discussing his house purchase 3 years ago and was bemoaning the fact that he was now in negative equity to the tune of at least €170k against a purchase price of €575k. A house … Continue reading
Best Irish Mortgage Rates – 11th February 2011
Best Irish Mortgage Rates – 10th February 2011 Following on from Wednesday’s announcement by KBC Homeloans that they are increasing their fixed rates and today’s announcement by Irish Nationwide that they will no longer be accepting new business applications a lot … Continue reading
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How a regular financial review can save you lots of money: A Case Study
We live in tough times. We are all trying to save where we can be it our grocery bill, what we spend on going out, our holidays etc. So how about your finances? How often do you sit down and … Continue reading
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First Time Buyer Mortgages – 7 things every First Time Buyer should know
The mortgage market for first time buyers remains the strongest for all the financial institutions. That said each bank will have different criteria. Below are some of the issues that a first time buyer should be aware of: 1) LTV … Continue reading
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What does the 20% Pension element of the 4 year National Recovery Plan mean to you?
What does the 20% Pension element of the 4 year National Recovery Plan mean to you? As part of the National Recovery Plan the government are reducing the amount of tax relief for pension contributions to 20% by 2014. Those … Continue reading
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Pension season is upon us!
You have probably gathered this thanks to the proliferation of ads throughout all the media forums. The good news for consumers is that the increased attention and competition allows for better products and with that increased allocations for them. And … Continue reading
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New Blog for All Financials
Welcome to the new All Financials Blog. My name is Fran Cookeand I am the owner of All Financials. All Financials is an independent financial advisory firm based in Raheny Dublin 5 and our financial services including Pensions, Mortgages and a … Continue reading
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