Galway Talks 11.2.21

Listen to David discuss the following on today’s show:

Topic – Taxman shocks Covid PUP recipients looking for tax to be paid in 2021.

Topic – Nervousness over future of Ulster Bank.

Topic – Covid could affect Life Cover and ability to drawdown a mortgage.

Question – Pup payment and tax credits

Galway Talks 29.1.21

Listen to David discuss the following on today’s show:

Topic – Survey finds that 70% of stress is financial.
Some things people need to consider:

1. Is your stress overblown?
2. Like anything else, have you sought advice “A burden shared etc”
3. Analyse what the problems are-don’t panic.
4. Maybe its an organisational problem:
– try to establish an emergency fund for unexpected expenses.
– Monthly budget to cover annual expenses e.g. holidays, Christmas and school.

Topic – Household wealth rises to staggering €830 million at end of 2020 with €125 million on deposit

Galway Talks 21.1.2021

Listen to David discuss the following on today’s show:

Issue: Government to introduce legislation to allow employees the right to work from home – Is this excessive for employers?

Issue: Revenue tax bills currently being issued to employees who availed of the Covid 19 unemployment benefit- these are notifications and not demands

Galway Talks 14.1.2021

Listen to David discuss the following on today’s show:

Topic: Markets are continuing to be resilient and are currently at an all time high.

Topic: Financial to do’s for 2021 during lockdown – Use the time to shop around for:

Mortgage Rates
Insurance – car, life and home
Utilities – telephone, electricity, gas, broadband
Health Insurance – visit hia.ie website to review

Review:

Overall finances
Investment options alternative to deposits
Pension

Galway Talks 17.12.20

Listen to David discuss the following on today’s show:

Topic: Online buying from UK Websites could all change post Brexit.

Topic: Bank Deposits at an all time high of €123 billion, but what will happen to this money in 2021 in post lockdown Ireland?
Confidence is key e.g. consumer spending boom – retail, cars, holidays, house purchases, renovations.

Topic: Positive mental attitude with a vaccine on the way and 1% growth in economy for 2021 predicted.

Galway Talks 3.12.2020

Listen to David discuss the following on today’s show:

Question: I am 68 and live alone in a house that is far too big for me to maintain. I want to downsize and I know this would release some money to me which would be a help with my finances. However, my children are advising me against this. I am very confused, have you any advice?

Topic: Galway rents 5% higher than a year ago.

Question: I own a rental property that is in reasonable condition. I am considering upgrading it, spending maybe €35k or €45k – Is that such a good idea?