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One of the most common ideas in modern self-help books is that ‘everything happens for a reason’. It has become a popular concept because we want it to be true.

Interest rates have been tracking downwards for over a decade at this point. We are at a unique time in our history whereby banks have actually been charging certain depositors to hold their money on deposit. This is the case for money held within corporate deposits.

The recent draft publication of the Sláintecare contract has certainly raised eyebrows among medical consultants. There has been reports in the media that consultants are not exactly overjoyed with the suggestions on patient advocacy (needing firstly to be reported through their clinical director) and the lack of intellectual property rights (basically the consultants will have none).

Typically, financial planners highlight their service offering as being; advice on asset allocation, retirement planning, cash flow analysis, insurance, wealth protection, estate planning and so on.

We constantly hear reports of a pent-up demand/ wave of money to be spent as the economy here and internationally opens up post pandemic. This will be following a period of unprecedented government supports where money was pumped into the economy to keep it afloat when it was put into shutdown.

Not a week goes by where we aren’t asked for our opinion on crypto currencies. A friend recently quoted an article he read where when describing crypto currencies, it said “Everything you don’t understand about money combined with everything you don’t understand about computers” - this probably sums it up for me.