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Learn to manage rosacea through your skin care routine

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By Jill O'Donoghue from Killarney Toning and Beauty Studio

Rosacea is a skin condition that affects both men and women and it's not to be ignored as it doesn't go away and get can get so much worse if left untreated.

This common chronic skin condition is usually found on the face and eyes. It can look like pimples, with redness and broken capillaries with people in middle age, from 30 to 60 years with fair skin, blue eyes, suffering most. The most significant environment trigger is the sun as skin is very sensitive to exposure. Always wear SPF 50 on the face and neck. It's even better to wear large sun glasses and a hat to shade the face altogether. Altered microbiome of the skin and gut health can really cause flare ups. Changes in the seasons and diet seem to affect people also.

Unfortunately there is no cure for rosacea, but you have to learn to manage it and reduce flare ups by recognising the signs and symptoms. In men especially, rosacea can cause thickening of the skin on the nose, making it appear bulbous. This can be reduced with correct treatment and home care. Fragile capillaries require regulating, soothing and protecting to get good results. Products can soothe, replenish and protect the skin.

Sothys has created the Clearness and Comfort line to help strengthen the circulatory system of fragile skin, reduce redness and increase protection against aggression with rosacea skin. Targeting skin with permanent redness and visible capillaries, the advanced formula features breakthrough polyphenol technology known for the ability to protect and soothe with powerful antioxidants benefits. Sothys selected polyphenols of hazel leaf and mint to alleviate symptoms associated with rosacea.

A soothing facial, it's a great way to get started on the road to repair.

To book a skin analysis or facial call Jill on 064 6632966.

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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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