Definitions: The ‘Reason Why’ statement or ‘Statement of Suitability’ The Central Bank, Consumer Protection Code, states that all financial services providers must provide a potential customer with a writt... Continue reading
The Real or Time Value of Money The time value of money is one of the cornerstones of the financial services industry and indeed the investment community. In relation... Continue reading
DIRT rate increased to 33% The normal DIRT rate will increase from 30% to 33% with effect from 1st January 2013 onwards. The DIRT rate applying to deposit tracker... Continue reading
European Bond Yields I thought it would be worth giving a snap shot of the different term profiles of European debt, Ireland doesn't look as bad as many peo... Continue reading
What different types of risk are there? We hear a lot about 'risk' and generally have an internalised idea of what it means, but in finance risk can be specific, it isn't just... Continue reading
Dear Banks, leave me alone… How to speak to them In the process of negotiating with banks many of our customers feel various things, like intimidation, fear, confusion and anger. In tr... Continue reading
Lowering mortgage costs by cancelling life policies? Caution: I am not advising that anybody breaks their mortgage contract, or does this, it's just an interesting 'what if' because we are... Continue reading
Making property tax relevant to local expenditure Patrick King of Dublin City Chamber and I presented a paper to the Dublin Economics Workshop this year about how we could match a prope... Continue reading
Discounted cash-flows I often talk about the idea of discounted cashflows in property and how to use it as a valuation tool, Frank Quinn and I have done repo... Continue reading
Mortgage Activity since 2005 I thought the following chart was an interesting visual on how far the mortgage market has fallen since the peak in 2006, draw your own... Continue reading