BY JOHN ELLIS, FINANCIAL ADVISOR First-time buyer (FTB) mortgages and household incomes in Ireland have reached record levels. A report, the latest Mortgage Market Profile Report from Banking & Payments Federation Ireland (BPFI), provides a detailed analysis of the mortgage market. It highlights “significant trends and shifts in borrowers’ profiles and regional dynamics”. It outlines …

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THE LAST WORD By Pat Coughlan Choosing terms for our older friends stirs debate. “The elderly” sounds delicate, while “old people” feels outdated. “Seniors” carries respect, reflective of wisdom. “Elderly adults” finds a middle ground, embodying both formality and casualness. It’s the blend of respect with a human touch that truly matters. Ultimately, the significance …

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AS I SEE IT BY MARIANNE HERON The warnings of climate catastrophe are too urgent to be ignored in UN Secretary General Antio Guterres’ stark ‘moment of truth’ declaration recently. If we miss our limit of no more than 1.5 degrees warming and go scorching on to 2.9 degrees increase by the end of this …

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THE FACT OF THE MATTER BY PAUL HOPKINS One of the great war-cries among boys of a certain age, when they have fallen foul of yesterday’s best friend, is to mutter with clenched jaw and fists: “Loser!” How often have you said to your children at some school sporting event, “Go out there and do …

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BY CLAIR WHITTY Summer is here and it’s the time for thinking about our holidays. But this time of the year whether at home or abroad we will have a variety of insects that bite, including midges, ticks, and mosquitos. The last thing we want is to be bitten by these insects. Thankfully there is …

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FURTHERMORE  By Gerry Moran Every now and again we talk about ‘characters’ in the pub (a much needed respite from politics and sport). We talk about the ‘characters’ from our childhood and our youth. We remember ‘Aeroplane’ Meehan, May Timmins, Kitty Saunders with her numerous dogs in tow, Kevin Traynor, selling the Press and Herald …

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