By Dave Kavanagh “Let’s go for a drink?”, “How about a nice meal out?”, “Shall we book a nice holiday?”, “How about an afternoon shopping?”, all questions that are (usually!) met with a positive response. “Shall we have a look through our finances and plans that we have in place?”, not usually met with the […]

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By Dave Kavanagh In a week where I have arranged pay out of another Serious Illness Cover claim, many people are in the “it’ll never happen to me” group, when it comes to planning for events that could potentially impact finances. Let’s face it, nobody wants to think that anything “bad” will happen to them […]

The post Are You Gambling Your Financial Security? appeared first on Community Locals.

By Dave Kavanagh Two important things to consider with both having and needing mortgage protection life cover. Firstly, there are those who have had mortgages for a number of years with mortgage protection life cover done in conjunction with it. For these people, it is well worth checking the current level of cover and remaining […]

The post Do You Really have mortgage protection? appeared first on Community Locals.

By Dave Kavanagh Here we are again at that time of year when, after possible excesses over the festive period, many people embark on making some positive changes or improvements in their lives. The most recognisable of these is the “losing weight/getting healthier” one. To give people more of an incentive to maintain what they […]

The post Positive Changes That Actually Benefit You appeared first on Community Locals.

By Dave Kavanagh Traditionally, December is when we tend to spend the most. Is there a way to soften the impact? Of course there is. Firstly, manage expectations: Most people can’t remember what they got 2 years ago, so don’t put yourself under too much pressure for “big” presents. Next, leave the credit card at […]

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By Dave Kavanagh From 1st January 2025, employers can provide up to five, small, non-cash benefits per employee per year, with a combined value of up to €1,500, free of PAYE, PRSI and USC. To qualify, benefits must not be in cash, must not be redeemable (in part or full) for cash, and must be […]

The post Small Benefit Exemption For Your Staff appeared first on Community Locals.

By Dave Kavanagh A difficulty that occurs when planning ahead to protect you and your family’s financial future, is the fact that we don’t know exactly what the future holds. Will jobs and income change? How long will I maintain good health? Will I win the lottery jackpot in the next 3 years? The uncertainty […]

The post New Options To Future-Proof Cover appeared first on Community Locals.

By Dave Kavanagh During recent claims I have processed for clients (death claims, serious illness claims and income protection claims) there was something that they all had in common. None of them knew what cover they actually had in place. Some were unsure whether there was sufficient cover in place to clear their mortgage (which […]

The post Know Exactly What You Pay For appeared first on Community Locals.

By Dave Kavanagh When assisting clients plan their finances, a question I have to ask, is, how long (if at all) their employer will pay them if they are out of work long term due to illness or injury. In some cases, it is standard and can be something like 3 months at full pay, […]

The post What If Your Income Vanished Next Month? appeared first on Community Locals.

By Dave Kavanagh Something that crops up when people are planning ahead to protect them and their family’s financial future, is the fact that we don’t know exactly what the future holds. Will jobs and income change? How long will I maintain good health? Will I win the lottery jackpot in the next 3 years? […]

The post Have You Future Proofed Your Cover? appeared first on Community Locals.