View this email in your browser
John Lowe on Twitter
The Money Doctor on Facebook
Independent Financial Advice website
Email the Money Doctor
John Lowe Money Doctor on LinkedIn
Independent Financial Advice on Pinterest
Money Doctors: the experts in personal finance

Happy New Year <<First Name>>!

2019 was a good year for the borrower, not so good for the investor. Although, that said, the bull market’s run is now in its tenth year (second only to the 1987-2000 era in duration), would have to drop 20% to become a bear and has certainly helped the stock market’s ascent.
We still have pension issues. I was delighted, though, with the attitude of one young woman who was visibly upset when she discovered during our consultation that she had missed out on two years’ pension contributions already! Auto-enrolment starts in 2022 (too late in my view) hence the inclusion in my new guide, Money Doctors 2020, of a new 8,000-word chapter: Non-Nationals – A Guide to Living in Ireland. They will be our supporters in the future.
Thank you once again for your connection and business. I look forward to catching up with you in the new year.
Warm regards for a peaceful, joyous  2020.

Get 2020 vision on healthy finances

Money Doctors 2020 is the 15th edition of John Lowe’s best-selling financial guide. Published for the first time by the O’Brien Press, it contains everything you need to get your finances in shape for the new year, including:
  • A to Z of personal finance brought bang up to date to reflect Budget 2020.
  • 100 ways to save cash as well as insider tips designed to make you money.
  • Practical solutions to every conceivable financial problem, from budgeting and planning to pensions, savings and investments; from mortgages and debt management to life and health insurances.
  • A comprehensive guide to the rights, entitlements, support groups and financial guidelines for non-nationals who want to live and work in Ireland.
Whether you buy this book every year or you’re just looking for a fresh perspective on your finances, you can trust the Money Doctors, the experts in personal finance, to give clear, straight-talking advice.
Safeguard, preserve and grow your money in 2020.
Buy the book in all good bookstores (RRP €12.99), or order direct from Money Doctors by email or by calling +353 1 278 5555.


Book a 40-minute financial check-up consultation with John Lowe - and get a signed copy of Money Doctors 2020 - for just €130 during the month of January. Simply complete and submit the Fact Find form online, or download the pdf file, fill it out and email back prior to the consultation.

Don't wait for pension

Peter, from Mallow, Co Cork, wrote into my Irish Daily Star column, saying: "I am 39, married with 2 children aged 5 and 2. I am joining a new company 10th January on a better salary (€68k) and good prospects. However, I have absolutely no pension provision and just wonder should I wait for auto-enrolment in 2022? There is the usual 5% employer contribution if I match it now. Any advice? 
Read my response here.

There's no bigger praise...

Spotted just days after publication at Dublin Airport, the new Money Doctors 2020 guide was already sitting in the Top Five on WH Smith's Non-Fiction Bestsellers chart.
Having the endorsement of RTE Radio 1 Liveline presenter Joe Duffy on the cover (‘Readable, Reliable, Accessible, This is one doctor that will save you money’) certainly helps.
And we were particularly honoured to get this glowing testimonial from another broadcasting legend, the late Gay Byrne:
‘A terrific book that you can dip in and out of – and written in a  very user-friendly way.’  

Getting your finances right in 2020!

With credit card bills, statements, overdrafts, and pensions to worry about where should you start when looking at your finances in 2020? The Money Doctor John Lowe joined Newstalk Breakfast to discuss here.

Borrowing in the New Year: The 3 options

Up and down the country, householders will be ignoring letters, bills and reminders over the coming days from a variety of creditors and just wondering how they are going to address the ever-increasing debt mountain.
So if you have spent it and you do now have to borrow, where do you go to if your family or friends cannot help you out and ignoring credit card options?
This is called post-Christmas planning, and I explain the three avenues that you can take, in my latest RTE Lifestyle column here.

10 ways to clear Christmas credit card debt

A whopping €965.80 is what our average Christmas bill came to this year, a Deloitte survey has revealed, making us the biggest festive spenders in Europe.
So now that your credit card is feeling particularly vulnerable – 50% of cardholders only pay the minimum balance, and for those, it will take up to 20 years to clear that debt – what can be done to gain financial independence in 2020?
Click here to read few of my practical and easy-to-implement tips.

Copyright © 2020 Money Doctors, All rights reserved.

Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list.

Email Marketing Powered by Mailchimp