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All-Ireland football star David Clifford graduates from University of Limerick

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All-Ireland winning Gaelic Football star David Clifford has graduated from University of Limerick today (Tuesday).

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REPRO FREE 230822 All-Ireland winning football star David Clifford graduates from University of Limerick Press release (23/8/22) ***Repro free imagery will be sent to newsdesks by Arthur Ellis – 087-2884885 All-Ireland winning football star David Clifford has graduated from University of Limerick today (Tuesday). The Kerry GAA star forward was conferred with a Masters in PE Teaching at UL this Tuesday, among thousands of students receiving their parchments this week. The 23-year-old played a starring role in UL GAA’s Sigerson Cup Final run, claimed the Higher Education Rising Star Footballer of the Year Award, and was Man of the Match in the All-Ireland Football Final this year. A Silver Scholarship recipient at UL, David has been in the UL Sports Scholarships Academy for the past two years, allowing him access to the high-performance gym to keep up his demanding sporting regime while taking the course. The Kerry star is among almost 3,300 new graduates being conferred at UL over five days of the 2022 Autumn Conferring Ceremonies this week. Speaking ahead of his graduation, David Clifford said: “I couldn’t recommend it (the course) enough in terms of the time we were in college and the work placements that we had. The lecturers and the sports department were very accommodating and friendly, especially in helping me to balance my studies and our Sigerson Cup Final run. Coming up to Limerick was a bit daunting at first, but the sports facilities (at UL) alone are unbelievable.” Pictured is David Clifford in UL. Pic Arthur Ellis.

REPRO FREE 230822 All-Ireland winning football star David Clifford graduates from University of Limerick Press release (23/8/22) ***Repro free imagery will be sent to newsdesks by Arthur Ellis – 087-2884885 All-Ireland winning football star David Clifford has graduated from University of Limerick today (Tuesday). The Kerry GAA star forward was conferred with a Masters in PE Teaching at UL this Tuesday, among thousands of students receiving their parchments this week. The 23-year-old played a starring role in UL GAA’s Sigerson Cup Final run, claimed the Higher Education Rising Star Footballer of the Year Award, and was Man of the Match in the All-Ireland Football Final this year. A Silver Scholarship recipient at UL, David has been in the UL Sports Scholarships Academy for the past two years, allowing him access to the high-performance gym to keep up his demanding sporting regime while taking the course. The Kerry star is among almost 3,300 new graduates being conferred at UL over five days of the 2022 Autumn Conferring Ceremonies this week. Speaking ahead of his graduation, David Clifford said: “I couldn’t recommend it (the course) enough in terms of the time we were in college and the work placements that we had. The lecturers and the sports department were very accommodating and friendly, especially in helping me to balance my studies and our Sigerson Cup Final run. Coming up to Limerick was a bit daunting at first, but the sports facilities (at UL) alone are unbelievable.” Pictured is David Clifford in front of the Living Bridge in UL. Pic Arthur Ellis.

REPRO FREE 230822 All-Ireland winning football star David Clifford graduates from University of Limerick Press release (23/8/22) ***Repro free imagery will be sent to newsdesks by Arthur Ellis – 087-2884885 All-Ireland winning football star David Clifford has graduated from University of Limerick today (Tuesday). The Kerry GAA star forward was conferred with a Masters in PE Teaching at UL this Tuesday, among thousands of students receiving their parchments this week. The 23-year-old played a starring role in UL GAA’s Sigerson Cup Final run, claimed the Higher Education Rising Star Footballer of the Year Award, and was Man of the Match in the All-Ireland Football Final this year. A Silver Scholarship recipient at UL, David has been in the UL Sports Scholarships Academy for the past two years, allowing him access to the high-performance gym to keep up his demanding sporting regime while taking the course. The Kerry star is among almost 3,300 new graduates being conferred at UL over five days of the 2022 Autumn Conferring Ceremonies this week. Speaking ahead of his graduation, David Clifford said: “I couldn’t recommend it (the course) enough in terms of the time we were in college and the work placements that we had. The lecturers and the sports department were very accommodating and friendly, especially in helping me to balance my studies and our Sigerson Cup Final run. Coming up to Limerick was a bit daunting at first, but the sports facilities (at UL) alone are unbelievable.” Pictured is David Clifford in UL. Pic Arthur Ellis.

The Kerry GAA star forward was conferred with a Masters in PE Teaching at UL this Tuesday, among thousands of students receiving their parchments this week.

The 23-year-old played a starring role in UL GAA’s Sigerson Cup Final run, claimed the Higher Education Rising Star Footballer of the Year Award, and was Man of the Match in the All-Ireland Football Final this year.

A Silver Scholarship recipient at UL, David has been in the UL Sports Scholarships Academy for the past two years, allowing him access to the high-performance gym to keep up his demanding sporting regime while taking the course.

The Kerry star is among almost 3,300 new graduates being conferred at UL over five days of the 2022 Autumn Conferring Ceremonies this week.

“I couldn’t recommend it [the course] enough in terms of the time we were in college and the work placements that we had," David, speaking ahead of his graduation, said.

"The lecturers and the sports department were very accommodating and friendly, especially in helping me to balance my studies and our Sigerson Cup Final run. Coming up to Limerick was a bit daunting at first, but the sports facilities [at UL] alone are unbelievable.”

On Monday, the first batch of students in Ireland to graduate with Masters level apprenticeships were conferred, with Minister of State for Skills and Further Education Niall Collins TD present to meet and congratulate them.

In her conferring address, Professor Mey has told the new UL graduates that the ceremonies are “a hugely important part of your learning journey”.

“As you step out into the world as our ambassadors by joining the more than 118,000 alumni around the world, we want you to be proud of your institution.”

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Housing Will Never Be The Same

Last week I wrote about the pathetic investment options out there for Irish investors. Despite high ongoing fees (mortgage, maintenance, insurance etc.) and the actual headache of being a landlord, […]

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Last week I wrote about the pathetic investment options out there for Irish investors.

Despite high ongoing fees (mortgage, maintenance, insurance etc.) and the actual headache of being a landlord, it’s easy to see why real estate functioned as the de facto investment portfolio for an entire generation.

Wealth creation was a rinse-and-repeat function where couples put money away until they had enough for the ‘next house’. As a result, we have an economy where 70% of household wealth is tied up in real estate.

Driven by the profits it created, Ireland became obsessed with owning real estate.

But real estate as an investment won’t be nearly as successful for our generation. (If you are able to get a house, that is)

All you have to do is look at the anecdotal evidence all around us to confirm this.

My parents bought the house they currently live in for 30k (pounds) 35 years ago. The house is now worth roughly 450k.

I typically despise these back-of-the-envelope calculations when It comes to property, given the endless variables and ongoing costs involved, but bear with me.

That’s a gross return of 15 times the original value. Now there are upgrades, a change in currency and other adjustments to consider here, so for argument’s sake, let’s call it 10X.

To achieve the same level of growth over the next 35 years, you would be left paying 4,500,000 euros for what is a pretty modest house.

Sure, we will still see property prices increase over time, but the rate of growth won’t be anywhere near as meaningful for one simple reason.

Interest rates.

Artificial Growth

Over the last 30 years, real economic growth has been stagnant, yet Ireland has experienced enviable nominal growth.

How did we manage it?

We created imaginary wealth.

We pushed interest rates lower and lower to stimulate economic growth.

And it worked.

After all, if you make 100k/year you can probably afford a 400k mortgage at 4%. At 2%, with the same 100k/year salary you can now take on 600k in debt.

So, were we getting richer, or was the debt just easier to afford?

Where do we go from here?

We have now squeezed interest rates as low as they can go.

The house price appreciation we have seen was justifiable because the mortgage rates on housing continued to fall in recent decades. This allowed people to take on more debt without severely impacting their ability to repay that debt.

If we go back to my parents, they were paying 14% on their mortgage. Mortgage rates are currently between 2 to 3%.

A relentless drop in interest rates gave way to higher and higher prices for houses, but interest rates are now on the floor.

The juice has been squeezed.

In fact, the trend has started to reverse, with rates expected to rise 1.5% in the first half of 2023

Be mindful that the same credit expansion cannot happen again.

How the next generation thinks about their investment options has to change.

Banks offering 0% returns for the use of your money and a housing ladder you can’t get on are not your only two options.

If you need help creating your own investment portfolio, just reach out to me at mike@theislandinvestor or simply scan the QR code above.

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Biddies performance celebrates St Brigid

Two local Biddies groups performed at Muckross House as part of St Brigid’s Day celebrations in aid of Kerry Parents and Friends Association. The Killarney Parents and Friends Biddy Group – formerly […]

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Two local Biddies groups performed at Muckross House as part of St Brigid’s Day celebrations in aid of Kerry Parents and Friends Association.

The Killarney Parents and Friends Biddy Group – formerly known as the Beaufort Biddy Group – and Kilgobnet Biddies came together for the event.

The tradition of the Biddies is one of the oldest and most colourful customs in Ireland, a blend of pagan and Christian pageantry, held on February 1 each year, heralding the beginning of springtime and honouring St Bríd the patron saint of the farming community.

Master traditional craftsman, Pat Broderick, at Muckross House, was also part of St Brigid’s Day celebrations, making a St Brigid’s Cross as part of the traditions.

 

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