11 helpful financial tips with Pascal: Don’t do the Ostrich!

first_imgPascal Curran, a Letterkenny based financial advisor and founder of advicefirst.ie, has some financial tips for when we feel like burying our heads (but know deep down, that it’s only making matters muuuuch worse!)Pascal’s got your back!At Advice First Financial we think it’s only right to help our customers, in any way we can, when it comes to helping them to manage their finances – money matters are not black and white, they equate to freedom, security, peace of mind and – it means a lot to get to grips with it all – and not bury our heads! Some tips for taking a deep breath and sorting things out: Plan a household budget:A family budget can help you control your household spending so that you have enough money to pay your bills and cover the basics on an ongoing basis. When starting out to manage your money, it is important to record where you are specifically spending. Record all those little runs to the shop, the cups of coffee, the wee things we don’t realise that are costing us loads in the long-run. You need to understand where you are spending your money before you can take control. Writing it down is empowering and informative. Start an emergency fund:Always have some money put by for unexpected events – we never know what’s around the corner. A rule of thumb is to have at least 3 months’ net salary saved for emergencies. More than just a rainy day fund – this is money that could really solve a bigger problem should it arise and is important to have it saved. Get better value:There are lots of online interactive tools that can helps you compare your spending on household expenses. You can compare costs on mobile phones, broadband, groceries and energy. Using a price comparison app – or just shopping around yourself, can really maximise your budget – and save for what matters. Manage your credit card.Now this is the biggie. Firstly, know that the interest rate on your credit card is huge. Probably more than you think. Check it.. So.You should always aim to clear the balance on your credit card at the end of the month. This should be a must….If you have an outstanding balance. Set up a direct debit. You can choose what percentage you want to pay and thus avoid any unnecessary interest and charges by always paying on time.Check if you can transfer the balance to another provider who is offering a better interest rate, in fact there are a couple of providers offer 0% for a few months on balance transfers. Plan your spending; Make a list and decide what you will use your credit card for to avoid impulse spending.Check your statements; Either over the phone or on-line, reviewing your account regularly will keep you in control of your spending and avoid accidentally going over your credit limit. Get protected: Life insurance is not a luxury:If you have dependents, a life insurance plan is not a luxury, it’s a fundamental need. It helps maintain your family’s regular standard of living if something happened to the main breadwinner. If you have a mortgage you need life cover to help clear the mortgage if you pass away. If you are renting, if you pass away – how will your family afford the rent and the other household bills.We can help you understand your family’s protection needs at Advice First, well worth considering. Get your tax backDid you know that you can potentially claim tax back on many items that you are spending on?! – For example: Medical feesPension and Income Protection plansService charges for refuse collection, sewage disposal or domestic water suppliesFees paid for approved third-level coursesWhy not go to Revenue.ie for a full list of tax reliefs available or contact us at Advice First and we will be happy to put you in touch with our tax advisor. Plan for your retirement:For some of us the state pension won’t start until age 68, so having your own pension plan is vital. You can get full tax relief on the contributions – so you should really make the most of this.We can help you work out what your pension needs are, too. Become a super-saver:With credit still difficult to come by, now may be the time to devise a ‘super-savings’ plan to help you get in the habit of squirreling away as much as you can. So instead of opening just one savings account, you could open several regular savers, each designed to help pay for things like holidays, new car, third level education costs and home improvements. Be smart with your investments:Consider an investment that suits your needs by doing a risk profile test to identify what type of investment is right for you. Generally, best advice is to spread your money across different types of investments and assets. Give your finances a regular check-up:Finally, it’s really important to regularly review your finances with your Financial Advisor, this way you’ll find it easier to keep on top of things. You’ll thank yourself in the short and longer term for taking control with the support of a professional. Arrange a Financial ReviewIt will only take an hour of your time and it will be arranged at a time that suits you. You’ll feel miles better afterwards – knowing that you’ve taken a responsible step in the right direction. Each month Pascal will provide financial advice on the most frequently asked topics – here on Donegal Daily and is looking forward to further breaking down the barriers around financial advice in his renowned experienced and jargon-free way! If you would like to book a no obligations consultation with Pascal, click here or simply call  +353 74 910 39 38 to talk to us today.Follow us on Facebook & Instagram  Advice First Financial Services Ltd trading as Advice First Financial is regulated by the Central Bank of Ireland.11 helpful financial tips with Pascal: Don’t do the Ostrich! was last modified: May 29th, 2019 by Pascal CurranShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:advice firstbudgetFinancialPascal Curransavingslast_img read more

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Liquor baron Vijay Mallya’s garage is home to these classic cars

first_imgIt has been a crazy last few days, with cyber crime at its peak. We are talking about the alleged hacking of Rahul Gandhi and Indian National Congress’s (INC) twitter account by ‘The Legion’. Today, it was the beleaguered liquor baron Vijay Mallya’s turn as his account @TheVijayMallya, was possibly hacked by the same ‘Legion’. Thanks to them, we now know which classic cars the ‘King of Good Times’ Vijay Mallya, might have in his garage.However, the authenticity of this list cannot be verified.Vijay Mallya cars list. (Twitter)Let’s take a look at 6 of these classic cars and how much they cost1. 1990 Lamborghini CountachLamborghini produced only 658 units of the Countach’s to mark its 25th Anniversary in 1988. This was the final evolution of the Countach line.Lamborghini produced only 658 units of the Countach’s to mark its 25th Anniversary in 1988. (Photo: supercars.net)Power comes from a four-cam V12 engine, mounted longitudinally behind the cabin, that produces 370 HP, mated to a five-speed gearbox, which is placed ahead of the engine between the seats. It has a top speed of 273BHP.Cost: Rs 2.51 crore2. 1955 Allard JRPost WW2, one of the most famous sportscar would be the JR ‘Le Mans’ Roadster. Sydney Herbert Allard made his entry into the motor scene with a four rear wheel special powered by a Steyr V8 tank engine. Based on the J2X, only six of these JRs were ever built and two served as factory entries in the 1953 24 Hours of Le Mans.Only six of these JRs were ever built. (Photo: All ARD register)The 1955 Allard JR would come with a 6047 cc, V8 engine that produces 350 HP of power, mated three-speed manual Ford-based with Lincoln Zephyr gearbox.advertisementCost: Rs 2.30 crore- Rs 4.08 crore3. 1955 Mercedes 300 GullwingIf not for US importer, Max Hoffman, and his love for the W194 series race cars, Mercedes would have never made the iconic Mercedes 300 Gullwing. It was only after, Hoffman gave an initial order of 1000 units of the 300 Gullwing’s that the Mercedes management approved it. The car was sold for only Rs 5.03 lakh in those days.The car was sold for only Rs 5.03 lakh in those days. (Photo: cars124.com)Now, the speciality of this car are the aluminum Gullwing, which were known for its lightweight. It was completed on April 20, 1955, with metallic silver gray finishing over a blue leather interior. it also came with Rudge wheels, the NSL motor and Plexiglas windows per aluminum-build specifications. Under the hood of the Mercedes 300 Gullwing came a 2996 cc engine, that produces 215 BHP of peak power and 279 NM of peak torque, mated to a four-speed manual transmission. it has a top speed of 217.215 km/h.Cost: Rs 9.65 crore4. 1944 Alfa Romeo BucciThe first on the list is the Alfa Romeo 2500S with Bucci fitting, which the billionaire bought in 1998. The 1944 Alfa Romeo Bucci features a two-seater sports body with works by Nestor Salerno and has Clemar Bucci’s fitting.Vijay Mallya bought the 1944 Alfa Romeo Bucciin 1998. (Photo: All Car Central)It comes with a 2.5-litre, 6 cylinder engine that churns out maximum power out of 105 horsepower, mated to a five-speed manual transmission with a top speed of 241kmph.Cost: Rs 1.95 crore 5. 1925 Sunbeam TigerThe Sunbeam Tiger was built by Sunbeam of Wolverhampton and was an open wheel race car which could participate in both land speed record holder and circuit-racing. On March 16, 1926, Major Henry Segrave successfully achieved the World Land Speed Record in Southport with a record speed of 245kmph. Over the course of three season of Gran Prix from 1928-1930, the Sunbeam Tiger broke twenty-four records and also broke the Brooklands’ lap record on three separate occasions.On March 16, 1926, Major Henry Segrave successfully achieved the World Land Speed Record in Southport with a record speed of 245kmph. (Photo: conceptcarz.com)It comes with a 3976cc, supercharged V12 engine that produces 306 hp of peak power, mated to a four-speed manual transmission and a top speed of 244kmph.Cost: NA6. 1913 Rolls Royce Silver GhostHenry Royce was unhappy with the car he owned in 1903, and built a better one within two years to be known as the Rolls Royce Silver Ghost model. In 1907, Autocar magazine named the original Rolls Royce Silver Ghost as the ‘Best Car in the World’.In 1907, Autocar magazine named the original Rolls Royce Silver Ghost as the ‘Best Car in the World’. (Photo: conceptcarz.com)    The Ghost comes with a 7431 cc engine that produces 45 HP and is mated to a four-speed manual transmission. Only 7,874 of the Ghost’s have ever been produced. The RR Silver Ghost is also said to be the most valuable car in the world with an insurance value of USD 35 million in 2005.advertisementCost: Rs 5.39 crore- Rs 7.32 crorelast_img read more

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Jhajuan Seales and Juwan Offray were arrested at Whataburger on Sunday

first_imgSaturday wasn't great for Jhajuan Seales (USATSI)Saturday wasn’t great for Jhajuan Seales (USATSI)Bill Haisten of the Tulsa World reported on Monday that Jhajuan Seales and Juwan Offray were arrested in Stillwater on Sunday after falling asleep while drunk in the Whataburger drive-thru.They were arrested on complaints of public intoxication.According to Haisten the car was still in drive while they were asleep inside of it.“After arriving at the restaurant, two officers report having seen two men asleep in the front seats of the car, which, according to the police report, was running and in drive with Seales’ foot on the brake.”It gets better (or worse).“I observed Seales trying to turn the vehicle off and he seemed very confused and unable to possess even the manual dexterity to simply turn the key to the off position. In fact, (Offray) had to physically help Seales turn the vehicle off.”You can read the full report here but obviously this is a bad look for a squad that doesn’t seem to be having a very good month so far.Both are out on bond — in a wild turn of events for OSU receivers, the charges were not dropped.Here are what appear to be their mugshots via Tulsa World (Offray is the one in a Champ Bailey jersey):Screen Shot 2014-10-20 at 3.06.05 PM Screen Shot 2014-10-20 at 3.06.12 PMAlso, this is true.My first thought, too. RT @Adam_WK: The Whataburger drive thru line does take a ridiculously long time.— Ryan Sharp (@Ryan_M_Sharp) October 20, 2014 If you’re looking for the comments section, it has moved to our forum, The Chamber. You can go there to comment and holler about these articles, specifically in these threads. You can register for a free account right here and will need one to comment.If you’re wondering why we decided to do this, we wrote about that here. Thank you and cheers!last_img read more

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ExUS Navy Officers Face Criminal Charges over Collisions

first_imgzoom The commanding officers of two US Navy destroyers, which were involved in fatal collisions in 2017, could face courts-martial and military criminal charges, US Navy said in a statement.The charges are a part of the navy’s efforts to address the problems that led to the collisions of USS Fitzgerald and USS John S. McCain with merchant vessels in the Pacific Ocean on June 17 and August 21, respectively, in which 17 sailors lost their lives.As a result, the US Navy dismissed several senior officers, including the commander of the US 7th Fleet. The officials have now informed that investigative hearings would be held to review evidence supporting possible criminal charges against the commanding officers and several lower-ranking officers who served on the two destroyers.The commanding officer and three other officers on the USS Fitzgerald are facing charges including dereliction of duty, hazarding a vessel, and negligent homicide. Additionally, the commanding officer of USS John S. McCain faces charges include dereliction of duty, hazarding a vessel, and negligent homicide. Also, one charge of dereliction of duty was preferred and is pending referral to a forum for a chief petty officer, the US Navy said.“The announcement of an Article 32 hearing and referral to a court-martial is not intended to and does not reflect a determination of guilt or innocence related to any offenses. All individuals alleged to have committed misconduct are entitled to a presumption of innocence,” the statement reads.Additional administrative actions are being conducted for members of both crews including non-judicial punishment for four Fitzgerald and four John S. McCain crewmembers.last_img read more

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