In this weeks episode the two Pauls talk about investments – they chat about who can invest, who shouldn't and exactly where to start. Paul M also explains why and when you should choose investing over leaving money in the bank and outlined the optimum time to leave your money where it is once it’s invested. The Pauls also covered the risk involved, how you can invest however little small your spend and they gave a shout-out and explainer for the Ask Paul investment club. Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

This week's episode is all about income protection – the two Pauls chat about why it's the most important financial product you can have & why Paul M is always banging on about it! Basically, your income makes your world go around so if it unexpectedly disappears you need a back-up – the lads talk about how we pay for cover for our health, house, car & gadgets & we pay for that with our income so obviously we need to cover that too. They explain how this financial planning tool works to keep your income on the road if something goes wrong and gets you tax relief while you pay for it, how it differs from specified serious illness cover and they talk through different types of policies and detail about how much cover you needs and what it costs depending on your circumstances.  Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

In this week's episode the two Pauls chat about pay and how to ask for a pay-rise. Paul Merriman shares how important it is to find out what the salary is before you go for a job and addresses dealing with new hire salary from an employer point of view. He also gives tips on how to approach your boss for a salary increase, why you may need to manage expectations and the reasons you probably shouldn't discuss any of it with your colleagues! The Pauls also chat about how to ask for your worth when charging a fee as a freelance worker/service provider, how some employees can be such bad performers they are taking the piss even asking for a wage increase and why you should be VERY careful starting a pay negotiation by saying you have another job offer!!! Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

In this weeks's episode the Pauls discuss all the details you need to know about mortgage protection and life assurance. They explain the different types of policies and why one may be a better option than another. They address how your needs may differ if you are married, single and/or have kids, are a renter or a homeowner, and they cover the importance of understanding exactly what you are getting for that monthly premium. Paul Merriman also shares why you should nearly never buy these products from a bank, how to deal with getting cover if you have had pre-existing medical conditions and as always he shares some cost breakdown examples. Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

This week's episode takes a look at the finance of romance just in time for Valentines Day! The two Pauls talk about everything from who should pick up the tab on a date, if the higher earner should always pay more of the bills to the tax implications of being coupled up but not married. They also discuss the best approach to managing money as a couple, the changing trends in wedding spending, if a joint account is always a necessity and the need for financial couples counselling!Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie  Hosted on Acast. See acast.com/privacy for more information.

This week’s episode has everything you need to know about starting your own business and Paul Reid is at the ready with a pen and paper for all the notes!! The lads cover everything from the importance of a good solicitor to whether you need to work as a sole trader or set up a limited company and the tax scenario and impact for both. Paul M shares why you shouldn’t get caught up in the name, logo and other small but exciting details too early, the power of social media, importance of showing support to pals in new start-up and why wanting to be your own boss is NEVER a reason to leave a job and start out on your own. Paul Merriman tells the story of starting his own business, how he did it and how he took none of his own advice! As promised in this episode Paul Merriman first ever video - it's not as cringey as he claims!https://www.youtube.com/watch?v=nXikDrZZFHcDisclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

This week's episode is full of advice and information on pensions - the two Paul's talk about when you need a pension, why having one is important and when you don't need to worry. Paul M also shares the tax benefits, explains different pension plans and reminds listeners why (almost) nobody should panic!Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

This week's episode is all about mortgages - If you are a first time buyer this is a must listen - Paul Merriman covers everything from getting your deposit together to why you definitely shouldn't start your journey on Daft.ie (much to Paul Reid's disappointment!!) This episode is a little longer than usual with lots of detailed but important information, so we have a detailed time code below and supporting websites.**there will be an episode for a second time buyers and fresh starter in the future Time code00.00 -04.50 getting mortgage ready - simple breakdown of figures of what you need to get started - can you afford the mortgage repayment - The importance of a mortgage advisor 04.51 - 6.14 What you need to bring to the mortgage consultation and what it will entail an06.15 - 08.30 How how to get a credit report and why it needs to be done and done quickly  08.31 - 13.19 Your deposit explained (and some info on the help to buy scheme)13.20 - 15.25 deposit details and contingency plans and start rules for self builds15.25 - 23.11. first home scheme (shared equity) explained and why it's particularly suitable for single first time buyers **this scheme can be used with the help to buy scheme and is available to fresh starters23.12- 26.00 Local Authority Loan (formerly rebuilding Ireland)26.01 - 40.35 Importance of building a good team you can trust- mortgage advisor, solicitor, agent, surveyor mortgage broker etc 40.36 - 43. why looking for a house before you get your mortgage approval is just going to disappoint - be honest and do what's right for now43.00 - 4611 don't buy a stop-gap, the cost of borrowing and why the first 5 years of a mortgage is so expensive (interest first)46.12 - 5344. Interest rates - reason for the rises and why you should fix 53.45 - 57.11 the @ASKPAUL mortgage campaign and how you can find the ad banned from the TV!https://app.acuityscheduling.com/schedule.php?owner=14223748&appointmentType=17377927&utm_medium=linktree&utm_source=linktree&utm_campaign=mortgage+consultation+%E2%82%AC199https://www.revenue.ie/en/property/help-to-buy-incentive/how-do-you-apply-for-help-to-buy-htb.aspxhttp://localauthorityhomeloan.ie/calculator/ https://www.centralcreditregister.ie/borrower-area/apply-for-your-credit-report-and-other-rights/ https://www.citizensinformation.ie/en/housing/ Hosted on Acast. See acast.com/privacy for more information.

Have you got a credit card and do you use it properly?In this episode, the two Pauls talk about credit cards, including Paul Merrimans horror story about his first one!! Are credit cards ever a good idea? How can you find the best rates and perks? Why a credit card can be a very useful tool in certain circumstances but only if you are well set up financially - if you are an emotional spender or can’t get to pay day without going into an overdraft you really shouldn’t have a credit card!!! But, if you have one and are in trouble with it, don’t panic, this episode provides the best way to structure the repayments and clear the debt as interest free as possible. The Pauls also dissect our tapping mentality, discretionary spending and all the ways we pay.Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

Where did you learn about money?In this episode, the two Pauls talk about the culture around money in Ireland - where they learnt about money and why, as a nation, we aren't great at talking about it but definitely should be! The Pauls chat about their first jobs & how important it is to talk about cash with kids.**Expect strong views on buy now pay later, needless borrowing & overspending! But no judgement Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.

The two Pauls fill us in on who they are, how they know each other & why they are making this podcast. Disclaimer: This podcast has been produced by Paul Merriman (Certified Financial Planner CFP®) in his personal capacity. The views and opinions expressed in the podcast are those of Paul Merriman and do not necessarily reflect the views or the position of Fairstone Asset Management DAC trading as Fairstone & askpaul. Some segments of this podcast may be provided to askpaul for the purposes of promoting or advertising on its social media platforms. These podcasts set out some of Paul Merriman’s personal financial experiences and it is not intended to be relied on as financial advice. Where a subscriber has a financial query then they should seek the relevant financial advice from www.askpaul.ie Hosted on Acast. See acast.com/privacy for more information.