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Rockcourt Financial Services Ltd
Experts in Public & Private Sector Pensions, Mortgages, Investment & Savings, Overseas Pensions and Income Protection
Black Friday is coming up, and while it’s a great chance to bag some brilliant deals, it’s also very easy to get caught up in the excitement and overspend. Here are some tips to help you shop smarter this year:![]()
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• Don’t get carried away in the hype. ![]()
It’s easy to fall for all the marketing, but remember, Black Friday is mostly a sales tactic by stores. Don’t go shopping for the sake of it , have a think about what it is you rally need. It is only ever really a bargain if you were willing to pay for the item at the original price. ![]()
• Do not impulse buy.![]()
If you’re unsure about an item, sleep on it. Give yourself a full day to think it over, if you still want to buy it the next day, then go ahead.![]()
• Check the return policy. ![]()
Some sale items may have different return rules. Make sure you know the return policy before you buy the item. ![]()
• Online shop safely. ![]()
When shopping online, make sure you’re on a trusted website. Look for the padlock symbol in your browser bar to confirm it’s secure. If you're buying from the EU, you usually have more protection. If you use Revolut, their easily accesible, disposable virtual cards can help protect your online purchases.![]()
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These simple tips can help you shop excellent deals, stress free this black Friday. ![]()
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Contact Rockcourt Financial Services with all your financial questions and queries. ![]()
📱086 0445509 ☎ 094 9638533 📧office@rockcourt.ie
New research from the Commission for Regulation of Utilities (CRU) has shown that customers who renegotiated or switched their electricity and gas supplier annually over the past four years saved up to €2,018 on their dual-fuel costs.![]()
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The Annual Energy Monitoring Report enables the CRU to monitor consumer choice and market competition. This report highlights how the gas and electricity markets are performing, emphasising the importance of regularly switching suppliers to ensure the best value for your money.![]()
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Contact Rockcourt Financial Services with all your financial questions and queries. ![]()
📱086 0445509 ☎ 094 9638533 📧office@rockcourt.ie
Undoubtedly, online banking has changed the way we manage our finances; however, it presents many challenges for individuals, especially the older population. Some common digital barriers include complicated authentication processes, small font sizes, and a general lack of digital experience. Phone-based customer support can also pose an obstacle when seeking help with your account or transactions.![]()
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Age Action Ireland’s mantra of “Digital First, Not Digital Only” aims to remind financial institutions that while the world of banking has moved to online platforms, older individuals must not be left behind. This includes maintaining physical banking kiosks, face-to-face customer service, accessible ATMs, and assistive devices.![]()
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Contact Rockcourt Financial Services with all your financial questions. ![]()
📱086 0445509 ☎ 094 9638533 📧office@rockcourt.ie
The recent Finance Bill outlines several significant changes that could take effect in 2025. Here’s a summary of the key modifications impacting PRSAs (Personal Retirement Savings Accounts) and employer contributions:![]()
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• Employer Contribution Limit - Contributions from employers to PRSAs will be capped at 100% of an employee's salary. For instance, if your annual salary is €70,000, the maximum your employer can contribute to your PRSA is €70,000.![]()
• Excess Contributions as Benefit in Kind (BIK) - If an employer contributes beyond the 100% salary limit, those excess contributions will be classified as a benefit in kind and taxed accordingly.![]()
• Tax Implications for Employers - Employers will also incur taxes on any contributions that exceed the limit.![]()
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Understanding these changes is important as they may impact your personal financial situation.![]()
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Contact Rockcourt Financial Services with all your financial questions. ![]()
📱086 0445509 ☎ 094 9638533 📧office@rockcourt.ie
Happy Halloween from everyone at Rockourt Financial Services! 😄![]()
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📱086 0445509 ☎ 094 9638533 📧office@rockcourt.ie