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2,800 SUSI grant holders in Galway to get double payment

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Galway Daily news Double SUSI grant payment this December welcomed

Some 2,800 SUSI grant holders in Galway will receive a double payment next month, while many more will get a fee refund.

The government has authorised a double payment of the SUSI maintenance grant on December 16, which will come to €679 for those receiving the maximum amount

There are 2,831 students and families receiving support from the SUSI grant scheme in Galway, and this boost has been welcomed amidst the cost of living crisis.

Galway Senator and Fine Gael spokesperson for Education Aisling Dolan said, “We know how difficult it is for families and students going to college this year.”

“It is wonderful having a normal college experience again after the past couple of years, however, higher costs are causing huge worry.”

She said that the extra SUSI payment will mean money in people’s pockets before the end of the year.

“This will benefit almost 50,000 students across the country and 2,800 students and families in County Galway.”

The government has also announced a once off €1,000 refund for people who have paid the full student contribution for the 2022/23 academic year.

This requires no action from students and will be automatically processed by colleges and universities.

The HEI will begin contacting eligible students this week and seek the necessary account details to process a refund,” Aisling Dolan said.

“Individual students who have been contacted by their college or university and asked to provide account details to facilitate a refund.”

In order to be eligible for the refund, people must submit these details by November 30.

Students eligible for a 50% student contribution grant support as paid by SUSI will benefit proportionally and will receive a €500 credit (from €1,500 to €1,000) in the value of the student contribution they are due to pay.

Minister for Higher Education Simon Harris added, “These are practical measures to help students and families with the cost of education and the cost-of-living more generally.”

“If you have not paid your fee, it will be knocked off your bill and if you have, your college will be in touch to ensure you get your money back and if you have a grant you will receive that additional support before Christmas.”

Approval sought for whiskey maturation warehouse for new distillery

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Galway Daily news Green light for Whiskey Maturation Warehouse for Ahascragh Distillery

Plans have been submitted for a whiskey maturation warehouse to support the new distillery being built in Ahascragh.

Easyfix Ltd is seeking planning permission from the county council to build a single storey warehouse, with a 2,082m² floorspace.

The brownfield site is located at Perssepark, just off the R348, approximately 11km south of Ahascragh, and was previously used as a sand/gravel pit, and a storage site for Bord Gais.

The warehouse would be used for maturing whiskey in casks after the spirit has been distilled at the upcoming Ahascragh Distillery.

The county council approved plans back in 2020 for the restoration of the Old Mill buildings in Ahascragh village centre, and their conversion by Gareth McAllister to a whiskey distillery.

The buildings have been unoccupied since the 1950s, and are now owned by Ahascragh Distillers Ltd.

This craft distillery will produce both whiskey and gin using malted barley, and will employ an estimated 8 to 14 people when complete between making the spirits and guiding tourists.

The planning application by Easyfix for this maturation warehouse includes a letter of support from Ahascragh Distillers.

This states, “A maturation warehouse goes hand in hand with a whiskey distilling operation. A rural and less dense setting is preferable as a maturation warehouse needs to be secure, have limited access points and in an open safe area for the storage of Whiskey liquid.”

“The site at Perssepeak is ideal for our whiskey maturation warehousing. It is close to the distillery in Ahascragh allowing for daily deliveries of freshly made spirit for casking and storage in the warehouse.”

The letter also states that if this application is not approved, they would be forced to locate their facilities to an alternate location in Wexford, which would be bad for the product and the sustainability of the business.

Galway County Council is due to make a decision on this planning application by December 1 of this year.

Water outages in Oughterard due to burst mains repairs

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Galway Daily news Water outages expected in Loughrea tomorrow

Repairs to a burst water main may cause water outages in Oughterard until later this afternoon.

The burst mains was first reported on Monday, and repairs are scheduled to take place until 1pm today.

This may cause supply disruptions to Cregg na Coille and surrounding areas of Oughterard.

It can take 2 – 3 hour after repairs are completed before people see their full water supply restored.

Updates can be found on Irish Water’s supply and service website page.

Plans submitted to build new Ballinasloe National School

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Galway Daily news Green light for construction of new Ballinasloe National School

Planning permission is being sought for the construction of a new Ballinasloe National School, to replace the separate ageing facilities currently in use.

The Board of Management of Scoil an Chroi Naofa has submitted plans to the county council to demolish one of the two existing school buildings.

In its place they plan to build a new two storey school building with 16 classrooms, a special needs education suite, general purpose room, and administrative space.

A new access road will also be created off society street leading to a set down and parking area behind the main school building.

Another building used by the school, a protected structure on the opposite side of the street, will be converted to a Parental Integrity Unit, for pre and post-school activities run by the Parents Association.

During the construction of the new school, temporary accommodation will be located in the rear yard of this building.

An Engineering Report for the application states, “Scoil Chroi Naofa currently operates on two buildings separated by Society Street at Ballinasloe, Co. Galway.”

“The senior classes are hosted in the 1960’s building to the north, while the junior classes are located in the 1930’s building to the south.”

“The 1960’s building is of a poor standard and completely inadequate to the needs of the school. Its demolition and the construction of the new Scoil an Chroi Naofa will re-unite the blocks and provide modern common facilities.”

“The 1930’s building is a Protected Structure and is in an acceptable good condition which requires only some refurbishment and upgrading in order to function as Parental integrity Unit.”

A decision on this planning application is due from Galway County Council by November 23 of this year.

Seafood, hookers, maritime heritage and more showcased at Galway Docklands Festival

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Galway Daily news Galway Docklands Festival

Galway Docklands Festival will celebrate all aspects of our maritime culture and history over three days this week, with fun for all the family.

Get a chance to drive a motorboat, see the iconic Galway Hookers and hear from those who make them, enjoy great food & drink, and much, much more.

The festival, a collaboration between Galway Bay Boat Tours, Galway Hooker Sailing Club and Galway Bay Seafoods, will run from Friday to Sunday, October 21 – 23.

The festival will also be an opportunity to raise funds for the maritime charities, the RNLI and LAST (Lost at Sea Tragedies).

The festival will highlight Galway’s seafood and local beers, introduce you to the city’s iconic Galway Hooker sailing boats and our maritime history as well as lots of family fun and activities.

Get to meet the boat builders, sample seafood, take a guided walk around the Docklands, hop on board a boat for a spin through Claddagh and out Galway Bay and let the teenagers experience driving a motorboat (while supervised).

The festival will have something for everyone. There will be plenty of sea themed activities, art competitions, crafts and entertainment for all the family to enjoy.

The Sailing Club are also launching Caper Beag in association with Galway Hooker Beer on the Saturday at 2:30pm.

Get to meet the crews of the beloved Galway Hookers, along with local sea school students and the Sea Scouts.

Over a coffee morning local speakers will talk on Galway’s maritime heritage and we will finish the festival evenings with rigging demonstrations of the Galway Hookers and a Parade of Sail which is always a joy to see on Galway’s waterways.

The festival will finish with an auction in Claddagh Hall on the Sunday evening. This promises to be lots of fun and all funds raised will go to Galway RNLI and LAST (Lost at Sea Tragedies).

Follow Galway Hooker Sailing Club, Galway Bay Boat Tours and Galway Bay Seafoods for more information.

If you would like to support the festival with a financial contribution or a prize for the auction please contact our club PRO Collette Furey on 0872166783 or at pro@galwayhookersailingclub.ie.

Taoiseach launches €21.3 million medical training programme at University of Galway

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Taoiseach Michéal Martin with Dr Stephanie Bollard , UCD and dog, Apollo at the launch of ICAT. Photo: XPOSURE

Taoiseach Micheál Martin has launched the second phase of a €21 million cross-border medical clinical and research training programme in Galway.

The Taoiseach unveiled the Irish Clinical Academic Training (ICAT) programme at University of Galway during a visit last week.

ICAT aims to train the brightest doctors, vets and dentists across Ireland to become world class clinician scientists.

During this second phase of the project, €21.3 million will be spent to train 42 fellows in medicine, dentistry and veterinary medicine.

Taoiseach Micheál Martin said, “Our Government is deeply committed to research and innovation and its role in the future of healthcare.”

“Investment of this scale and with this strategic outlook will help to position Ireland as a place where top-class researchers and innovators are afforded the opportunity to strive for lasting, impactful change which tackle challenges of our time.”

“The ICAT Programme has proven to be a catalyst for some of the brightest minds in healthcare and I am delighted to see the ambition in phase 2 of the programme.”

The ICAT programme has been awarded to six equal stakeholder partner universities by the Health Research Board (HRB).

They are: University of Galway, Queen’s University Belfast, Trinity College Dublin, University College Cork, University College Dublin, RCSI University of Medicine and Health Sciences.

Principal Investigator of the ICAT Programme, Prof Conall Dennedy at University of Galway, said that it offers people a chance to become “world class researchers” in parallel with their clinical training.

“It is the vision of the programme to enhance the health of people in Ireland and Northern Ireland, as well as animal welfare, embracing the principles of One Health.”

“This large investment by the HRB, six partner universities and associates is critical to futureproofing the health of our nations.”

ICAT supports participant fellows to undertake truly novel research by availing of a large networked pool of experienced supervisors, facilitating an easy mobility of ICAT fellows between Northern Ireland and Ireland

Developer seeks to add more bed spaces to Headford Road student accommodation

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Galway Daily news Green light for dozens more bed spaces in Headford Road student accommodation

Planning permission is being sought to enlarge a student accommodation complex that has already been approved, to add 49 more bed spaces.

Cleverson Ltd received approval from An Bord Pleanála for 223 bed, student accommodation development on the Headford Road in Galway City in July of 2021.

The apartment complex will comprise two seven storey buildings linked by a glazed bridge.

The site, next to Galway Retail Park, is a mix of wasteland and car parking owned by the developer.

The developer is now seeking approval from the city council to amend those plans, with modifications to the second, third, fourth, fifth and sixth floor layouts of the complex.

This would only increase the number of units by one, to 69, but the number of bed spaces within those apartments would be increased to 272 in total.

Approval is also being sought to replace a gym on the second floor with communal spaces, and for amendments to three retail units, while a forth would be converted to offices.

The number of bicycle storage spaces in the student accommodation complex would also be increased from 134 to 157.

Galway City Council is due to make a decision on this planning application by November 23 of this year.

Emily Anderson Concert celebrating Beethoven

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Galway Daily music Emily Anderson Concert celebrating Beethoven

Music for Galway’s annual Emily Anderson Concert will take place this week in University of Galway, with a follow up performance in Connemara.

The Emily Anderson Concert will be held on Thursday 20 October at the Emily Anderson Hall in the university at 8pm.

As part of the new MfG Galway Encore series, the concert will be repeated the following night, Friday, October 21 at the Comharchumann Shailearna, Indreabhán, also at 8pm.

It features the outstanding duo of Dutch violinist Rosanne Philippens “energetic, sensitive and flawless” (Telegraaf –NL) and Hungarian pianist Zoltán Fejérvari “a deeply communicative artist” (Gramophone) who will perform three of Beethoven’s finest violin sonatas as well as premiering new works composed by three University of Galway BA Music graduates.

Rosanne Philippens. Photo: Marco Borggreve

One of the most distinguished alumnae of the University of Galway, Emily Anderson became the very first professor of German in UCG in 1917.

She left her position in 1920 for a remarkable career that included working as code breaker for the British Foreign Office during WW2 (for which she was awarded an OBE in 1944) and editing, translating and publishing the correspondence of Mozart and Beethoven (for which she received the German Order of Merit in 1951).

With this latter work she afforded access to the thoughts and lives of these iconic composers to musicians, composers, musicologists, film makers and biographers in the English speaking world.

The annual concert dedicated to her memory features either music by Beethoven or Mozart.

Zoltán Fejérvari

This year, Music for Galway has also invited three of the first graduates of the new BA in Music at the University of Galway, Ellison Hassel-Cramer, Laura Heneghan and Katie Feeney to write a short work for violin and piano in response to Beethoven.

These pieces will be premiered at the concert by the stellar Philippens/Fejérvari duo.

Whether you are in Galway City or out West, get your ticket and experience the music of a giant juxtaposed with the freshness of budding composers, performed by superb artists.

Tickets cost €20 / €18 concession. There is a reduced price for full-time students and school-going children of €6 and MfG Friends pay €16.

To book or find out about how to join as MfG Friend, visit website musicforgalway.ie or phone 091 705962.

Emily Anderson Concert

Rosanne Philippens violin

Zoltán Fejérvari piano

ELLISON HASSELL-CRAMER  – For Me (world premiere)

BEETHOVEN – Violin Sonata No. 7 in C minor, Op. 30 No .2

LAURA HENEGHAN – Rêvasser (world premiere)

BEETHOVEN – Violin Sonata No. 8 in G major, Op. 30 No. 3

KATIE FEENEY – Ballade (world premiere)

BEETHOVEN – Violin Sonata No. 10 in G major, Op. 96

Taoiseach places first stone in massive expansion of Galway Technology Centre

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Galway Daily news Taoiseach places first stone in massive expansion of Galway Technology Centre

Taoiseach Micheál Martin has placed the first stone in a massive expansion of Galway Technology Centre in Mervue.

The expansion of the GTC is expected to enable the creation of 12,500 jobs over the next 15 years, along with attracting an estimated €1.4 billion in investments.

The project, which is being backed by Enterprise Ireland, will see an additional 15,500 square feet added to the centre, bringing the total area to 65,500 square feet.

Speaking at the ceremony to mark the extension, Taoiseach Micheál Martin TD said, “Since its inception, Galway Technology Centre has played a central role in enabling the growth of scaling enterprises across the west of Ireland.”

“It has provided numerous start-ups and high potential businesses with the space and support they needed in order to flourish and prosper.”

“The centre has come a long way from its first opening in the mid-nineties, when there were eight units filled by seven start-up companies.”

“In the years since they have developed alongside the enterprises they have supported, providing greater space and resources as the need for their service has grown.”

When the work is complete, there will be a particular emphasis on facilitating rapid scaling for start-ups and other innovation driven enterprises in GTC, as well as ICT businesses in need of second sites.

The enhanced facility will also include further conferencing and meeting space, state of the art IT infrastructure as well as other digital amenities such as a video production and broadcasting suite.

Galway Technology Centre first opened in 1994, and in the years since has expanded several times.

Over that time it has housed more than 300 companies who have created in excess of 3,000 jobs.

Currently there are 41 companies in GTC with over 325 people employed directly on site and thousands more in the other satellite offices of these enterprises located in Ireland and abroad.

Fidelity Investments announces 200 new Galway jobs

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Galway Daily business Fidelity Investments announces 200 new Galway jobs

Technology company Fidelity Investments has announced that it will be creating 200 new jobs in Galway as it expands its Irish operations.

The company will be filling the jobs over the next two years, with roles in software engineering, cloud, application and data architecture, cyber security, and agile roles.

The major expansion will also see another 100 jobs created at its Dublin offices.

When complete this recruitment will see the company’s Irish footprint grow to 1,800 employees total.

Lorna Martyn of Fidelity Investments Ireland said, “We are excited to be growing our operations in Ireland again.”

“In recent years we have had exceptional success in recruiting high quality candidates and look forward to welcoming our new associates over the coming months.”

“We have shown huge resilience over recent years and, as a company, we are firmly committed to supporting our customers.”

“These new highly skilled positions will enhance our ability to meet our customers’ changing needs into the future.”

Since opening in Ireland in 1996, the company branches here have grown steadily from a workforce of 400 in 2013 to almost 1,500 today.

Commenting on this announcement, Minister for Finance, Paschal Donohoe said, “Since first establishing a presence in Ireland over a quarter of century ago, Fidelity Investments has become a key part of the Irish financial services sector.”

“The company’s commitment to Ireland is reflected in today’s announcement and we look forward to seeing Fidelity enjoy continued success in both Dublin and Galway.”

“The Ireland For Finance Strategy underlines the Government’s approach to encouraging overseas investment and supporting jobs by focusing on growth in green, sustainable and digital financial services.”

Martin Shanahan, Chief Executive of IDA Ireland added that this expansion is a “clear commitment” by Fidelity to Ireland.

“The expansion reflects positively on the strength of the fintech ecosystem here which enables companies like Fidelity to create products to serve their global customer base from Ireland.”

Another ‘decade stuck in our cars’ says local senator

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Galway Daily news Galway City Ring Road oral hearing gets underway

The decision by An Bord Pleanála to quash its permission for the Galway City Ring Road has been described as ‘hugely disappointing’ by local senator Seán Kyne.

The Fine Gael senator said that the decision condemns the citizens of Galway to another ‘decade stuck in their cars in and around our city’, and said that it is ‘very difficult to stomach’.

He said that people thought that finally, progress was being made in solving the chronic traffic problems in Galway.

“The impact on the orderly development of Galway as an engine for growth for the West Region is very serious,” said Senator Kyne.

“This decision impacts the rationale for a number of Government and private plans including Galway Port, Údarás na Gaeltachta business development plans for Connemara, and the R336 coast road plan amongst others.”

He said that this decision will be viewed with dismay by workers who are stuck in their cars every morning and evening when they should be at home with their families.

Kyne also said that some businesses are effectively cut off from the rest of the country by the traffic gridlock.

“The opponents of the Ring Road will talk about alternatives and opportunities, but those words will ring very hollow with the tens of thousands of people attending work, college, hospitals and businesses today.

“We now need the Galway Local Authorities to make the necessary adjustments to the project plans and to resubmit them immediately in order to get this project back on track.”

‘If you don’t do it, you’ll be dead in a fortnight’ Connemara woman told

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galway daily news mairead nevin
Mairead Nevin Larkin and family

A woman from Connemara has spoken on radio about finding out she had a tumour on her brain in 2020, and that she suffered a stroke during the operation to remove the tumour.

In an interview broadcast on Iris Aniar on RTÉ RnaG, Mairéad Nevin Larkin from Seanadh Phéistín explained that she started getting headaches in 2014.

But although she queried it with doctors, it was not a major concern until 2019 when her symptoms got worse.

She said that she is the type of person who is ‘always busy, always going’ and that her kids are her life.

Mairéad said that she got up out of the bed every morning even if she was in pain, did ‘what needed to be done’.

“In 2019 I was walking up the stairs in Dunnes, Terryland, and the feeling went out of my leg. I waited a minute and it came back but then bit by bit as the weeks went by after that I started getting pain down my arm,” she said.

“I was getting pins and needles in my leg, in my hand, up into my face.  Then I started kindof dribbling out the side of my mouth.”

Mairéad went to the doctor, and although they discovered that she had a disc out of place in her neck, that didn’t explain her symptoms.

She was put on the list for an MRI – an appointment that never materialised in the end, and Mairéad’s symptoms worsened again.

“I didn’t know what was happening to me really.  My mind was going.  I’d forget where the kids were.  I was taking hot things out of the oven with my bare hands.

“The feeling was gone from my hand so much that I’d have the dish in my hand for ages before I’d feel the pain.”

She went to the A&E, but they were not too concerned, nor was the neurologist that she saw shortly afterwards in December 2020.
In January 2021 Mairéad decided to get an MRI privately, although she thought twice about it because of the cost.

“He said I was fine, that there was nothing wrong with me.  I started crying.  I asked him if he was sure. He said he was, that I looked so well, wasn’t I out walking and all that.  I told him that I was but that I didn’t feel well, that I wasn’t right …

“That I was forgetting where my children were, and didn’t know if I was coming or going.  My walking had gone very bad.  I knew by then there was something wrong because I was doing very strange things at home.”

In January 2020 Mairéad decided to get an MRI privately, although she thought twice about it because of the cost.

“I said to myself, I’m not spending that money.  If it had been for John or for the kids, I would have done it straight away, but no, for myself I had to think about it ten times!”

The MRI showed that there was a tumour on the brain, and she said she was both shocked and also relieved to have an answer.  Her neurologist was also shocked.  The first thing she thought of was her children.

“I had nothing in my mind except would I see my children grow up?  That’s the first thing that came to my mind.  I couldn’t bear thinking of not seeing them grow up … Sure we were only getting started, we hadn’t even been to the Aran Islands yet!”

Mairéad was told she would have to go to Dublin for an operation, and she told Máire-Bríd Ní Chualáin in the interview on Iris Aniar that once people heard about her situation, all the cards and good wishes she got from the community gave her great solace and courage.

“People started sending mass cards and lighting candles. That changed everything for me. I said to myself, I have to fight this. Even when I was in the operating theatre in Beaumont, I felt that everyone was with me. I wasn’t crying or anything.”

The operation was very high risk, with a possibility of paralysis or death, but there was no other choice.

“I said to myself, maybe I shouldn’t get this at all, but he said that if I didn’t get the operation, that I would be dead in a fortnight.”

The tumour they removed was 5 cm X 5cm, and when Mairéad woke from the operation she had no sensation in her left side as she’d had a stroke.

The doctor was confident that she would regain the use of her leg, but was not too sure on her arm.

She had a long road ahead yet, although she says she didn’t realise that at the time. She thought she would be gone for a fortnight, but it was almost six months in the end.

The most difficult part was being away from her husband John and her children especially, Abigail, 10, and Joshua, 8. She said that she wasn’t sure she would make it through.

“I had letters written and everything for everyone.  I had been sick for so long, and I was weak by the time I was going up to Dublin, and I just didn’t know if I’d come through it.”

“It was tough for the kids.  Mammy left for a fortnight and didn’t come back for six months.”

Mairéad is doing well now, although she needs help with some tasks.

“I’m well, but when you are depending on your daughter to help you to close your shoe, or to tie up your hair, things I should be doing for her but she’s doing them for me.

I’m doing well but no two days are the same.  Maybe I’d be very well one day, and a bad day the next.”

Mairéad thanked all those in the community in Conamara who had been so supportive to her in her illness.

NONSENSE NIGHT at Galway Comedy Festival

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Galway daily comedy NONSENSE NIGHT at Galway Comedy Festival

Enjoy a nonsensical night of craic and laughter with NONSENSE NIGHT at this year’s Galway Comedy Festival at Massimo.

Join WOMP Events for a night of nonsense as part of #GCF22 on Wednesday, October 26. Not just another basic b*tch pub quiz.

This will be an opportunity to test your team’s intelligence in a quiz night that actually requires very little intelligence, or quizzing.

The evening will combine common knowledge quiz rounds with interactive craic including Spin the Prize Wheel, Celebrity Sibling Picture Rounds, Roast The Host, Shrek Rave Rounds, a Wrap Battle.

There will also be a Creampie Round, Whose Joke Makes Our Judge Laugh The Most, The Song Game, Opposite Answers, Multiple Choice, Speed Rounds, Once In A Conga Line & more.

It promises to be good fun and a waste of perfectly good confetti with lots of nonsense, prizes, Talking Heads tunes, and opportunities to learn something new (….probably not that last bit). Fun for all the family (rated 18+).

IWA launching Disability Action Group in Tuam

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Galway Daily news IWA launching Disability Action Group in Tuam

The Irish Wheelchair Association is launching a new Disability Action Group in Tuam, with its first public meeting next week.

The public information evening will take place on Monday at 6pm in the Ard Ri House Hotel, Tuam.

The group is meant to bring together disabled people from across Galway to meet on a regular basis, and focus on the issues that matter most to them.

“The IWA is looking for disabled people who are passionate for change and who are interested in working together with others in the community to identify issues impacting disabled people and lobby for equality for disabled people in all areas”.

Areas of concern would include the built environment, the great outdoors, housing, education, health, employment, and more.

“This will be an interactive meeting with the opportunity for attendees to raise their concerns and have their voices heard,” a statement from the IWA said.

Speakers on the night will include Joan Carthy, National Advocacy Manager IWA and Marion Cotter, IWA Tuam. Tea and Coffee will be served on arrival.

Planning a pension for your retirement

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galway daily business Planning a pension for your retirement

It’s never too early to start planning for your retirement if you plan on having the later years of your life be ones of comfort and exploration, and leave tight budgeting in the past.

Pension plans are essentially long term investment schemes, but it can be hard to choose which is the best for you.

Choosing a pension plan for you can be tricky for someone without much financial knowledge, as there can be a vast difference in the performance of different funds.

Up until 2015, most pension funds in Ireland were largely performing the same as one another, but in recent years they have begun to diverge wildly.

A review of the top performing pension funds carried out in 2021 found that between 2015 and 2020, the performance of different pension funds varied from returns of 21.7% (Merrion Investment Managers), to -3.1% (Setanta and New Ireland) by the end of five years.

There are many different options for a private pension, but one of the most important questions you have to ask yourself when setting up a pension plan is how much risk you are willing to accept.

That’s an important factor in determining whether you wish to invest your money in private stocks, government bonds, cash savings, or assets such as property.

Some, like property and stocks, may have the potential to deliver greater returns, but can also come with greater risks if they do not perform.

It’s important to ask and review what is in your pension fund, what are the best pension investment options, and to carry out periodic reviews of its performance.

Why have a private pension

Many people rely on the state pension to get by, possibly supplemented by savings or another small source of income.  

But putting too much emphasis on the state pension could be a risky move for people with many years ahead of them who are starting to save now.

The population in Ireland is trending older every year, which puts increasing strain on the government’s ability to fund large scale pension pots, as the ratio of working people to retired shifts.

While the government has put plans to raise the retirement to rest for now, deeming it politically toxic, it’s unlikely that this will continue to be the case in the years and decades ahead.

Starting a private pension now could be key to enjoying your retirement when you want to, rather than working as long as possible, and enjoying a far better quality of life when you do.

The full state contributory pension for a single person in Ireland is currently just over €13,000 at the age of retirement, which is not a lot to live on, and doesn’t go up any further until you hit 80 years old.

Tax-free gains

One significant factor in private pensions is the ability to draw down a lump sum of up to 25% of the pension’s total value, tax free, when you turn 50.

Cashing in your pension early like this, and getting that lump sum, can be very helpful in clearing any debts such as mortgages, freeing up earnings for continued saving, or to spend as you please.

Weather warning for wind and rain in effect

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Galway Daily news Weather warning for continued heavy rain in Galway

A status yellow weather warning for heavy wind and rain in Galway is in effect this afternoon.

Met Eireann has issued a warning for all of Connacht and Munster today.

“From Sunday afternoon, a spell of heavy rain will move northwards along with strengthening southeasterly winds.”

“Disruption is expected including spot flooding,” Met Eireann has said.

The weather warning will be in place until 10pm on Sunday night.

Things won’t improve after that however, as another warning for strong wings and further heavy showers will come into effect.

This weather warning for Clare, Donegal, Galway, Leitrim, Mayo, Sligo will be in place from 10pm Sunday until midday on Monday.

“Very windy on Sunday night and Monday morning with further heavy showers.”

“Southeasterly winds, veering southwesterly will reach mean speeds of 50 – 65km/h with gusts of 90 – 110km/h, higher near coasts and exposed areas.”

Do I need income protection insurance?

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Galway Daily business Do I need income protection insurance?

It’s easy to feel secure when you have a steady job, but it can be easy for an illness or injury to put someone out of work for an extended period of time.

What options are available for someone who has found themselves out of work for reasons not of their own doing? 

There are the various social welfare programmes of the state, or sick pay from your employer. But they all come with limitations, with sick pay not lasting forever, and social welfare well below what people could expect from their wage.

If you’re interested in preparing for the worst, one option might be to consider income protection insurance. This provides financial safety, and peace of mind that your family will be okay in the event of an unwelcome surprise.

What is Income Protection Insurance

Income Protection Insurance does exactly what it says in the name, it provides a payment in the event that someone finds themselves unable to work due to an injury or illness.

Income Protection Insurance pays up to 75% of your wages until such a time as you are able to return to work.

It will kick in after a deferment period, that is, the time that elapses between when you fall ill/are injured, and when the insurance starts paying out. The length of this changes with the policy, and can be set depending on how long you might expect to receive sick pay for.

Why get Income Protection Insurance

Simply put, income protection insurance is a safeguard that helps you care for yourself or your family for the time you are out of work.

Many families rely on a single parent for their income, and the loss of that even for a short period can have long lasting financial repercussions.

You might think that if you love a healthy lifestyle and take care of yourself, that this won’t be an issue.

But considering that people are working later in their life, and that 45,000 people in Ireland are diagnosed with cancer each year, the chances of losing time from work due to an illness at some point in your life are significant.

Self-employed people can be particularly vulnerable in the event of an illness, as they won’t have any sick pay from an employer, and may not have access to state benefits either.

Why is it superior to Social Welfare?

There are, of course, state supports such as the Illness or Injury Benefits for people who are unable to work due to either.

But these, while a welcome support for many, can be well below what a person might have been earning, not bringing them close to a full wage. 

This can be a serious issue for an individual or family with significant financial obligations such as a mortgage, or child expenses.

But these can have their eligibility and payment levels affected by PRSI payments and classes, and what your partner may be earning in the case of the Injury Benefit.

The state Illness Benefit will also only be payable for a maximum of two years, while the Injury Benefit can only be claimed for six months.

How much does it cost?

There’s no cut and dry answer about how much you will pay for income protection, premiums are based on a number of factors, based on the risk you pose, and the level of coverage you seek.

Like any insurance policy, the premiums for income insurance are based on the risk profile of the person seeking the policy.

One of the big perks of Income Protection Insurance is that up to 40% of the cost is tax deductible, cutting a substantial portion of your premium.

Not all jobs qualify for income protection insurance, but most do. If your job is deemed extremely risky, you might pay more, or not be eligible.

Your health will also factor into the price, with insurance providers taking into consideration whether you smoke, for example, as something that will affect your likelihood of contracting a serious illness.

Getting an estimate of what you are likely to pay for income protection insurance is best done either by contacting insurance providers directly, or for a quick solution you can do yourself, using a calculator online.

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Woman found seriously injured by the side of the road

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Galway Daily news missing teen found safe

Gardaí are appealing for witnesses after a woman was found with unexplained injuries in Mayo this morning.

The woman in her late 50s  was found unconscious by a passer-by shortly after 4am on the N5 at Cloggernagh, Islaneady.

She was taken by ambulance to Mayo University Hospital where her condition is understood to be critical.

The cause of her injuries is unexplained at this time and the scene is preserved for forensic examination. Local traffic diversions are in place.

Investigating Gardaí are appealing for witnesses.

They are particularly appealing to motorists with camera footage (including dash-cam) who travelled through the townland of Islaneady on the N5 in the early hours this morning, to make it available to them.

Anyone with information is asked to contact Castlebar Garda Station on 094 90308200, the Garda Confidential Line on 1800 666 111, or any Garda Station.

Plans approved for Rahoon apartment building

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Galway Daily news Green light for new apartment complex in Rahoon

Galway City Council has approved plans to demolish a vacant bungalow in Rahoon to make way for an apartment building.

Belville Building & Construction have been granted planning permission for a three storey apartment building on the Rahoon Road in Galway City.

A new entry point for vehicles and pedestrians onto the Rahoon Road will also be created.

Currently there is a large bungalow, a shed, and a small outbuilding on the site, which have been uninhabited for several years according to the application.

“At the time of the site visit there was some evidence of anti-social behaviour around the site, with empty beverage containers and loose rubbish visible,” the design statement stated.

Planning permission for the development was granted by Galway City Council with 25 conditions attached.

Before work begins, the developer must pay a contribution of €81,090 to the city council towards the provision of public services in the area.

The council also required that the plans be amended to omit one apartment from the original 14 that were intended, to reduce the height of the building near neighbouring properties.

Also, the apartments may only be sold to individual purchases, with corporate entities or companies barred.

Do Not Consume notice for Spiddal Water supply now a month old

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galway daily news Do Not Consume notice

A Do Not Consume Notice for the water supply of thousands of homes in the Spiddal area remains in place after a month.

Irish Water said this week that the EPA has completed an audit of the water treatment plant this week, and that it was decided after that the notice will not be lifted.

The order for 5,676 properties on the Spiddal Public Water Supply not to drink their water was issued on September 16.

It was issued due to elevated manganese levels found in the public water supply, which would endanger people’s health if consumed.

Irish Water has emphasised that it is especially important that this water not be given to bottle fed infants.

Speaking about the notice, Anthony Skeffington, Regional Operations Manager, Irish Water said; “The Environmental Protection Agency completed an audit of the water treatment plant this week where it was agreed that we will continue with the intensive flushing and sampling campaign.”

“Irish Water’s primary focus is and always will be the protection of public health and we appreciate the impact that this notice is having on our customers in Spiddal.”

Alternative water supplies in the form of bulk tankers have been arranged and are in place at the following locations:

  • Furbo Beach at Pádraicíns Seafood Bar & Restaurant;
  • Spiddal Car Park, beside bottle bank;
  • Inverin Church;
  • Coláiste Chamuis  (Across from An Pota and Tg4);
  • Community Centre Rossaveal.

These will continue to be replenished daily until the Do Not Consume Notice is lifted.

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