If you want to kick start the new year with some savings on your life assurance or mortgage protection please contact me today. I could save you up to 15% on your life cover & up to 17.5% on your mortgage protection.
Zurich are also offering Garmin Fitness trackers, including a 10% Discount & 6 months cash back offer on term assurance.
Phone Audrey on 049 438 0087 Or email email@example.com For a quote today.
Terms & Conditions Apply. Contact firstname.lastname@example.org for details.
The growth in e-cigarette usage in Ireland over the the last two years has been phenomenal, with their presence in almost all shopping centres and retail outlets notable.
The concern for all users of these devices and their loved ones is the potential damaging effect upon those who choose to use them as a substitute for nicotine.
Where do our main Life Assurer’s stand with respect to their own product conditions around e-cigarettes?
The image above shows the underwriting conditions that currently apply with the 6 main Life Assurance Companies in Ireland.
Sheridan Insurances is business as usual.
If we experience any issues with our phone system or power you can still get in touch using:
Benny Sheridan: 086 8368366
Miriam Sheridan: 087 2804501
Kelley Crowe 087 7791451
Please stay safe and do not make any unnecessary journeys. The safety of you and your family is so important.
What lifestyle will you want? Will you explore the world, help your grandchildren buy their first car or improve your home?
Did you know that up to 41% of your contribution is returned on your Income Tax?
Did you know that you can get full tax relief on your pension life assurance?
Did you know that you can get full tax relief on your pension income protection, which pays up to 75% of your income in the event of you being unable to work?
31 October 2017 is the date by which you must finalise your Tax Assessment for the 2016 tax year and pay any resulting tax liability. An extended deadline of 14th November 2017 also applies if you qualify to file and pay using Revenue Online Service. However, you have an opportunity to reduce your personal Income Tax for 2016 and maybe even receive a refund from the Revenue Commissioners.
This reduction can be achieved through offsetting personal retirement saving/pension contributions made by you before 31 October 2017 against your Income Tax liability for 2016.
Making a pension contribution can be a very tax-efficient way for you to save for your retirement, with relief of up to 40% available against Income Tax for 2016 tax year. And, there are some very attractive features regarding how your pension capital can be used at retirement.
State Pension Changes after 2020
Payable Age Increasing:
The state pension is currently payable from age 66.
From January 2021, the age increases to 67 for those born between 1/1/1955 & 31/12/1960.
From January 2028, the age increases to 68 for those born on or after 1/1/1961.
Employees will have to work for longer before qualifying for the State pension. This will pose particular difficulties for those who have physically demanding jobs. In all cases individuals who leave employment at age 65, will have to wait for some time before the State pension becomes payable
Call Audrey now on: 049 4380087
or email: email@example.com
If you’re aware of heavy rainfall in advance then it’s best that you plan your journey out before you set off. Know the route you want to take and if it will be effected by flooding, if so try to avoid it. Check for traffic delays and make sure you let friends or relatives know the route you are going to take in case of an emergency.
You should be checking your wipers every 6 months to ensure they are working optimally. During the warmer summer months the sun can cause them to dry out and crack, so checking the condition of the rubber before the wetter winter months set in is essential. Also, with our weather, over-use is a common occurrence so make sure your wipers are ready for the rainy journey. Here’s our simple wipers DIY guide on how to change them yourself, it really is a 1 minute job!
Next you need to check your tyres. Contrary to popular belief the deep treads on your tyres do not provide grip, those channels and grooves are there solely to disperse water, allowing the smooth rubber sections of the tyre to maintain contact with the road and that’s what provides the grip. On a wet road, If your tyre treads are worn out, there is nowhere for the water to go and the tyre ends up ‘floating’ on top of the water. This is known as aquaplaning and can cause a total loss of steering and braking ability! So in wet weather, the deeper your tyre treads the better.
Last thing you want when driving in the rain is having to stop in the rain! Make sure you have enough fuel in the tank before setting off.
Once on the road, make sure you turn on your dipped headlights. Rain reduces visibility so you need to ensure you’re visible to other road users, both vehicles, cyclists and pedestrians.
It goes without saying that you need to slow down when driving in the rain. Wet weather brings slippy road conditions, particularly after a dry spell, so your braking distance is reduced with a higher likelihood of a skid. Slowing down will ensure better control of the car should you lose control or the vehicle in front of you brakes suddenly or gets into trouble. Remember it takes twice as long to stop on wet roads than dry roads so make sure you at least maintain that ‘3 second rule’ but we would recommend increasing this to 4 seconds in the rain. On top of slowing down and maintaining your distance, try and avoid any sudden movements or sharp steering as doing so will increase the likelihood of a skid.
Heavy rain coupled with high humidity can cause your windows to fog up inside the car. If you have air conditioning, turn up the heat and direct it towards the windscreen to keep all windows clear. Even if you haven’t a/c, pointing warm air to the windscreen will help keep it clear.
Spray will come off every vehicle on the road when it’s wet, but it’s amplified the larger the vehicle is. Be aware of the additional spray when either overtaking one or having a large vehicle pass you in the opposite direction. Often additional road dirt will spray up as well, so it’s important that you prepare to give your windscreen an extra wash after it to ensure they are fully clean
A very nice feature to have in dry weather but one that increases the risk of losing control in wet weather. Why? If the car starts aquaplaning, which occurs when a layer of water build up between the wheel and the road leading to a loss of traction and the inability to control the car, as the car is going at a constant speed you can’t slow down and so it makes the aquaplaning worse. The best way to get out of aquaplaning is to slow down and not braking as this makes skidding worse. So avoid using cruise control in wet weather so you can slow down quickly if needs be.
9. Beware of Pedestrians & Cyclists
As your visibility diminishes in the rain, awareness of your surroundings must increase. Most importantly paying attention to other road users who are most vulnerable i.e. pedestrians and cyclists is vital. They too will have challenges on the road in the rain, and may have to avoid puddles and floods by stepping or swerving into your path. Slowing down when you see them and being aware of any sudden movements should avoid any accident. When over taking, ensure you leave plenty of room between you and them and try not to splash them!
No matter how careful you are there might come a time when you get a skid and lose some control of the car for example if you take a corner too hard while driving in the rain then you’re more than likely going to skid. The best strategy to controlling a skid is to remain calm and follow these instructions:
If the front wheels skid:
If the rear wheels start to skid
It’s important to slow down and be more aware while driving in the rain. Lazy driving could result in an accident, so plan your journey, stay alert and in control of your vehicle at all times.
Below are some of the key steps to use when you receive an email:
1: The message contains a mismatched URL
One of the first things I recommend checking in a suspicious email message is the integrity of any email address used. Look for misspelling in the actual email address. For example, if you receive an email from firstname.lastname@example.org you should be able to see the spelling is not correct.
2: URLs/email address contains a misleading domain name
People who launch phishing scams often depend on their victims not knowing how the DNS naming structure for domains works.
In layman’s terms, this means that scammers will use email address such as aib.ireland.ie, the Ireland part is a clear indicator that the email is a scam as aib would own aib.ie not aib.ireland.ie
3: The message contains poor spelling and grammar
Whenever a large company sends out a message on behalf of the company as a whole, the message is usually reviewed for spelling, grammar, and legality, among other things. So if a message is filled with poor grammar or spelling mistakes, it probably did not come from a reputable source.
4: The message asks for personal information
No matter how official an email message might look, it’s always a bad sign if the message asks for personal information. Your bank doesn’t need you to send it your account number. It already knows what that is. Similarly, a reputable company should never send an email asking for your password, credit card number, or the answer to a security question.
5: The offer seems too good to be true
If you receive a message from someone unknown to you who is making big promises, the message is probably a scam.
6: You didn’t initiate the action
If you get a message informing you that you have won a contest you did not enter, you can bet that the message is a scam.
7: You’re asked to send money to cover expenses
One tell-tale sign of a phishing email is that you will eventually be asked for money. You might not be hit up for cash in the initial message. But sooner or later, phishing artists will likely ask for money to cover expenses, taxes, fees, or something similar. If that happens, you can bet that it’s a scam.
9: The message appears to be from a government agency
Phishing artists who want to use intimidation don’t always pose as a bank. Sometimes they’ll send messages claiming to have come from revenue.ie or another government agency
10: Something just doesn’t look right
If you receive a message that seems suspicious, it’s usually in your best interest to avoid acting on the message.
“Healy impresses at Virginia Show”
Interesting views on Brexit, Agri economy and catching up on times past in Galway when IFA President visited Sheridan Insurances’ trade stand at Virginia Show on the 23rd of August 2017.
Benny, Joe Healy IFA President, Seamus burns and Caroline Forde
Photos from Headfort Golf Invitational Sponsored by Sheridan Insurances. Photographs from the prize giving ceremony in the Clubhouse last Friday evening after the event. Well done to all of the participants and prize winners. We would also like to thank our nurse on-site team, Rose McKenna and Theresa Brassil, and to Newgrange gold for supplying a prize of a collection of their delicious oils.
Sheridan Insurances is a well-established insurer broker based in the North East (Cavan) that requires experienced Insurance professionals to add to their ever growing and expanding team.
Responsibilities will include but are not limited to:
Please respond with your Curriculum Vitae, in the strictest confidence, to:
Benny Sheridan or Kelley Crowe
43 College St.