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Guaranteed losses




By Michael O’Connor from

It's human nature to focus on the most recent news and react to our present environment.

Where we go wrong is our tendency to extrapolate this current environment out into the future, assuming it will last forever.

During the good times, we get caught up in the euphoria. We think things will last forever, and we find ways to rationalise even the most ludicrous narratives. Lest we forget, people were finding seemingly justifiable reasons to pay millions of dollars for pictures of cartoon rocks less than a year ago.

This tendency to extrapolate works both ways. It's easy to get caught up in the downward spiral of bad news and buy into the doomsday scenarios.

The imminent collapse of Fiat Currency, World War 3 and a Global Debt Crisis all become seemingly guaranteed outcomes when outlooks turn negative.

But nothing lasts forever, and the current environment we are in will not be the exception to the rule.

This too shall pass. While it may seem inevitable when you are stuck in the echo chamber of endless bad news, in reality, it is far less likely to lead to an apocalypse than the doomsday preacher would like you to believe.

So, where does that leave investors?

You're looking in the wrong direction.

No need to regurgitate the negative news. It's everywhere. This symphony of pessimism has led to considerable market stress, with stock and bond indexes down over 20% YTD.

But that is what has already happened. You get no special prize for regaling what is currently happening or what has happened in the past.

The stock market is a forward-looking machine, so you must align your focus accordingly. As markets fall, you should ask yourself, what does all this mean for the future? How will things look one, three, or five years down the road?

As prices fall, fear increases but so too does the future expected return. Present-day turmoil creates future opportunities. For those not of retirement age, 30% market declines should be met with open arms and viewed as buying opportunities.

Investing is still too risky

Banks are boasting 0% deposit rates while inflation hits double figures. The price of everything around you skyrockets while the absolute value of your money stays the same.

Times have changed. Your money isn't 'safe' in the bank, you are simply locking in guaranteed losses. You need to be proactive. Doing nothing with your money is no longer an option. If you want to maintain your current wealth, it needs to be tied to assets that generate positive returns over time.

This isn't about taking maximum risk of finding the optimal investment that will make you rich overnight. You simply need to realise that you are willingly losing your hard-earned money by doing nothing.

Recent market activity has created opportunities for even the most risk-averse investor. As a result of the rise in interest rates, there are risk free investments now offering between 4% and 6% annual. These are far from the most lucrative assets, but they are a significant improvement from the 0% you are getting from the bank without any increase in credit risk.

If the potential to lose money is the thing preventing you from investing in the stock market, please realise that you are already making guaranteed losses as the value of your money erodes in the bank. Cash is the worst-performing asset class in history.

Don't worry about making the perfect first step. Inaction is the real enemy here. Simply focus on finding an investment better than your current deposit account and work from there. It won't be hard to find.

Focus on improvement, not perfection.

For free weekly stock tips and direct access to my personal investment portfolio, go to

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New  bio-energy therapy clinic open on Beech Road

Have you ever wondered what happens when you deal with an emotionally charged situation or experience high levels of stress daily? Your mind sends alarm signals to your body which […]




Have you ever wondered what happens when you deal with an emotionally charged situation or experience high levels of stress daily?

Your mind sends alarm signals to your body which must adapt to this emergency mode.

Muscles tense up, heart beats faster, vessels get compressed, blood pressure rises, body retains water etc. Most of us subject our bodies to this emergency mode without being aware of it.

Irina Sharapova MH has just opened a new Herbal Medicine and Bio-Energy Therapy clinic at Horan’s Health Store on Beech Road by appointment each Friday.

Both Herbal Medicine and Bio-Energy Therapy, support the body’s natural ability to heal.

During a herbal consultation the therapist suggests necessary corrections to the client’s diet and lifestyle aiming at reducing the elements that contribute to inflammation, stiffness and pain, and increasing the elements that aid healing.

Then they prepare herbal remedies specific to the client. Client’s medications are also examined to ensure that there are no conflicts with the herbal treatment.

Herbs support healing by relaxing the body and improving sleep; they are used to treat various ailments from digestive and reproductive issues to insomnia and migraines.

Bio-Energy therapy is a complementary non-contact treatment that helps to release tension from the body caused by injuries, traumas or stress.

During a Bio-Energy session the therapist scans the client’s body for signals that indicate that the energy is not flowing smoothly – these are the areas that have reacted to the Client’s emotions of fear, worry, hurt, anger, sadness etc.

The therapist “clears out” these areas until the energy flow feels smooth. Bio-Energy is helpful in the treatment of physical and emotional pain and other ailments.

It is suitable for people who do not like massages and other treatments that are performed directly on the body.

Disclaimer: Alternative therapies are not substitutes for medical advice.
For further information or to schedule an appointment please contact Irina at 086 9878941 or via email at Website:


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Spotted an otter lately?

Users of Killarney National Park are being asked to keep an eye out for otters – one of the country’s rarest mammals. The National Parks and Wildlife Service IS launching […]



Users of Killarney National Park are being asked to keep an eye out for otters – one of the country’s rarest mammals.

The National Parks and Wildlife Service IS launching a new National Otter Survey and has teamed up with researchers in Queen’s University Belfast and the National Biodiversity Data Centre to collect and collate otter records from right across the country.

The new survey will map otters and compare results to the last survey, carried out in 2010-11.

NPWS teams will be looking for characteristic signs of otters at over 900 sites throughout the country, including rivers, lakes and the coast.

Members of the public are asked to keep their eyes peeled for otters and to get involved in this national survey by adding their sightings to the survey results.

Otters are mostly active at night and most typically seen at dawn or dusk. They may be spotted from bridges swimming in rivers or along the rocky seashore.
Otters are brown, about 80 cm (30 inches) long and can be seen gliding along the water surface before diving to show their distinctive long pointed tail which is almost as long again as their body.

Dr Ferdia Marnell, Mammal Specialist with the NPWS, said:

“The otter is one of Ireland’s most elusive animals so getting as many people involved in the survey as possible will be important if we are to get good coverage. Otters are rarely seen, so instead, over the coming months, NPWS staff will be searching for otter tracks and signs.”

Dr Ferdia Marnell, Mammal Specialist with the NPWS, said:

“Otters have large, webbed feet and leave distinctive footprints, but these can be hard to find. Fortunately, otters mark their territory using droppings known as spraints. Otters deposit spraints conspicuously on boulders along riverbanks, logs on lake shores or the rocky high tide line. Spraints can be up to 10 cm or 3 inches long, black through to white but commonly brown, tarry to powdery in consistency and straight or curved making them tricky to identify. Luckily, they commonly contain fish bones and crayfish shells which are the otters favoured diet making them easy to tell apart from the droppings of birds and other mammals.”

The otter and its habitat are protected under the EU Habitats Directive which requires that Ireland reports on the status of the species every six years. The next report is due in 2025.

The otter suffered significant declines across much of continental Europe during the 1970s, ‘80s and ‘90s but remained widespread in Ireland. The most recent Irish survey (2010-2011) found signs of otter from all counties of Ireland and from sea-shore to mountain streams.

The otter hunts in water, but spends much of its time on land, and as a result is vulnerable to river corridor management such as culverting, dredging and the clearance of bankside vegetation, as well as pollution, pesticides, oil spillages, coastal developments and road traffic.

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