< Previous© July 2019 The Meath Coaster 40 Life Insurance vs Death in Service Benefit L ife insurance pays out a lump sum if you die or suffer a critical illness (de- pending on the type of cover you hold), helping your dependents to cope finan- cially. Death in service is similar. Death in ser- vice may be offered by companies as part of an employee’s benefits package. It’s paid out as a tax-free lump sum if you’re employed by the company (i.e. on the payroll) at the time of your death. Your employer will be able to explain how this benefit is calculated. Some people may be unsure if they have death in service, while others may not know if it would be enough for their fam- ily to live on. Also, those who have this benefit may not realise they could gain from taking out life insurance too. Death in service benefit is not taxable, but it can vary (though it is typically two to four times your annual salary). It can be linked to a company’s pension scheme, and you’ll need to be signed up to it to qualify for the benefit. Be mindful that tax is based on your personal circumstances and may change in the future. The pay-out of a life insurance policy de- pends on the cover you have – meaning you have the freedom to decide how much your beneficiaries get, not your employer. While a life insurance pay-out is also free of income tax or capital gains tax, bear in mind it could form part of your ‘estate’ – your overall net worth – so may incur in- heritance tax. With death in service there’s no annual or monthly premium to pay – you just need to be employed to benefit from it. You’re required to make regular payments for life insurance, but your family or named ben- eficiaries could receive a higher pay-out in the event of your death. It’s also worth remembering that if you leave the company where death in service is offered, you’ll no longer be covered. You are unable to assign your death in ser- vice benefit to cover your mortgage, but your beneficiaries can decide to use the money towards repaying a mortgage. Most people who are not members of a death in service company plan can take out their own policy. The reason you might do this is because you can get tax relief (like your pension) on the premium cost of the life cover. So, if for example, the cost of your cover was €100 per month and you were on the higher rate of tax you may receive up to €40 a month tax credit. Contact Oran on 087 668 6624 for more information or visit www.drumgoolebro- kerage.ie. Life Assurance Pensions Income Protection Investments Financial Planning Drumgoole Financial Services is regulated by The Central Bank of Ireland Oran Drumgoole QFA Phone 087 668 6624 Office 041 981 2080 oran@drumgoolebrokerage.ie www.drumgoolebrokerage.ieMammy Day Care Crèche, Montessori & Afterschool Full and part-time care ECCE Free pre-school years Affordable childcare scheme After-school care Large outdoor play area 3 months to 12 years of age catered for Stamullen, Co. Meath E: info@mammydaycare.com T: 01 690 5333/086 8286927 Tusla inspected • Part time places • Rural Setting Gormanston FREE ECCE PLACES for this SEPTEMBER 2019. Our staff are qualified, dedicated to providing kind, warm, tentative and a satisfying learning experience to each child 085 8619279 lamhabeagaanmhi@gmail.com Opening Times: 9am ·12pm Bettystown Alterations Wedding Alterations and Evening Wear Premises located behind the offices in McDonough Caravan Park on Triton Road (Opposite Tesco) Phone: 086 775 3 776 Tues - Sat 10am - 5pm Lunch 1:30pm - 2:30pm Close Tue 2pm Clothing Alterations •Wedding/Evening Wear • Leather/Suede Repairs •Curtains Same Day Service Relax, revive, renew with Reflexology Aromatherapy Massage Facials Phone Jess: 086 6010492 FB: @AromaWellnessHolisticTherapies Poor sleep, Digestive issues, Stress, Hormonal imbalances, Headaches, Sinus problems, Back pain, Sore, tired muscles Stamullen COMPUTER PROBLEM? Contact Oliver 041.988.7526 087.797.0740 iPhones Smartphones Repair Laptop/Desktop Repair & Upgrades Anam Cara Therapy Here for you. www.onlinetherapist.ie Mary “Em” Ryan Counsellor/Holistic Psychotherapist Shamanic ound Healer anamcaratherapy@pm.me 083.859.9551 Relocating to the Treatment Room at the City North Hotel Muireann Mc Connell Reiki and Seichem Healing An Cuas 087 9895357© July 2019 The Meath Coaster 42 Summer Piano Recital S orcha Rossiter's Piano Studio had a great finale to the year with an end of term 'Summer Piano Recital' held at the Presbyterian Church, Colpe 5 th June. Sorcha has been using an innovative & creative method of teaching music called 'Stave House'. It's accredited and en- dorsed by the London College of Music. Pupils from as young as five learn how to read and play music! All the pupils played brilliantly. Megan Hopkins finished off the evening with Mendelsohn's 'Song with- out words'. Megan, who recently gradu- ated from Coláiste Na hInse, Laytown was awarded 'music student' of her entire school and has a very strong musical tal- ent. Congratulations to all! § More Summer Open-Air Theatre Treasure Island – Saturday 27 th July, 6.30pm F ollowing on the June production of Pride and Prejudice, Chapterhouse Theatre Company is delighted to return to the Battle of the Boyne Estate at Old- bridge, presented by Droichead Arts Cen- tre, Whether you are a seasoned theatre-go- er, a first-timer, a young couple, or a big family, the show will have something for everyone. So bring along your own rugs or low-backed seating, as well as a picnic, and settle in for an enchanting summer evening of theatre beneath the stars. Book your tickets from Droichead Arts Centre www.droichead.com or by call- ing 041 9833946. Gates open at 5.30pm. Adult €18 / Child €12 / Family (2 Adults & 2 Children) €49. Free Online Booking. €1 Booking fee on phone/in person. §© July 2019 The Meath Coaster 43 Cilles Athletic Club www.cillesac.ie www.facebook.com/CillesAC NSP B-5, 8pm, 16 th July Traffic Restrictions C illes AC are delighted to host our an- nual 5 mile race (aka the NSP B-5) in the wonderful village of Bettystown. On- line registration remains open and there should be late registration on the night before the race. Check out our website ( www.cillesac ) for full details. The race has become a firm favourite in the athletics racing calendar- with a fast course and legendary hospitality. We’re expecting approximately 500 runners to join us on the night. The race’s continued success is in no small part due to the coop- eration of the friendly locals. With this in mind we would like to give you as much information as possible on the route, traf- fic restrictions and diversions. Thank you in advance for being so welcoming and assisting us in providing a safe running environment for the athletes. This event showcases so much of what our fabulous area has to offer. Diversions There will be race marshals at all estates and junctions along the route. There will also be signage marking out the diversion route. The course route is described be- low; runners will be keeping to the left, moving away from the village along the golf links road. Imagine the runners as moving counter clockwise along the route, if you need to drive the route, you can go in the clockwise direction. Course route The race starts at 8pm at the Coast road entrance of Lynchs caravan park. Athletes will proceed down the Golf links road (R151) towards Harrys, round the sharp bend and then keeping to the left onto the Garra road. They will continue on the Garra road until they come the ‘old redbrick school ‘ at Donecarney and turn left onto the R150. Staying on the R150, straight through the roundabout at White- field Manor, left again at Bettystown cross onto Eastham road. Straight down Eastham road to the roundabout at the Bettystown Court, left here. Continuing straight onto to Bettystown Village, left at Funtasia, we’re now back on the Golf links road. Continuing straight here to the finish at the Laytown/Bettystown Golf club. Main Sponsor NSP Expert Lab Solutions are our main sponsor for the 5 th year in a row. Located just outside Navan and founded in 2005, NSP Laboratory Services are specialists in the testing, calibration & repairs of a large range of laboratory equipment. See www.NSP.ie for a full list of their servic- es. Once more we are indebted to them for their support. We would also like to thank many of the local businesses for their generous contri- butions and support – including but not limited to: Mac Barbers, The Village Ho- tel, Stacks Pharmacy, Delfino Bay, Nan’s Café, Relish, Haven Nails and O’Reilly’s Supermarket and Bohan Hyland. A special thanks also to FloGas who are ensuring the hydration needs of the par- ticipants are met on the day! Why not come out and support and cheer us along the route! See you all on the 16 th ! © July 2019 The Meath Coaster 44 Annual East Meath Hospice Golf Classic hosted by Laytown & Bettystown Golf Club 1 st . The winning team in the Drogheda & East Meath Hospice Annual Golf Classic played at Laytown & Bettystown Golf Club on May 31 st last - Rory Murphy, Noel Tubridy, David Doyle & Neil Glen- non are presented with their prizes by club Captain Declan Smyth & Lady Captain Phil Rooney. 2 nd : The team in second place in the Drogheda & East Meath Hospice Golf Club Classic at Laytown & Bettystown Golf Club recently - Danny Doyle, David Doyle, Conal Bailey & Derry Alwright with club Captain Declan Smyth & Lady Captain Phil Rooney. 3 rd . Laytown & Bettystown Golf Club Captain Declan Smyth and Lady Cap- tain Phil Rooney present the prizes to the team in 3 rd place in the recent Drogheda & East Meath Hospice Golf Classic - Jimmy Hospice Golf Classic - Winners 2019 Hospice Golf Classic at L&B - 2nd Place© July 2019 The Meath Coaster 45 Clynch (Club President), Mary McElhin- ney (picking up prizes for J. Bailey and F. Walsh) and John Walsh. 4 th The 4 th place prizes were awarded to John Riordan, Michael McAlarney & Joe Delaney (missing from picture is Declan Flynn) 5 th The Hughes family accept their prizes for 5 th place in the Drogheda & East Meath Hospice Golf Classic from Laytown & East Meath Meals on Wheels Laytown&Bettystown Golf Club Friday 19 th July 2019 Golf Classic €100 per 4 person team Contact: Berna Carthy @ 0863844774 to book a line Hospice Golf Classic - 3rd Place 4th Place 5th Place bettystown Golf Club Captain Declan Smyth & Lady Captain Phil Rooney § © July 2019 The Meath Coaster 46 30 teams. Our second team of Ciara McK- eown (Bailey), Jossa Hunt Tyrrell (Smok- ey Patrick), Rose Hanratty (Starlight Ex- press) and Genia De Souza (Dunnie) also performed extremely well to place 4 th . Fantastic results! Sarah Malone and her lovely horse Jinx also placed 2 nd individually in the primary SJ class. In dressage, Klara Ralph O’Connor and Castleview Ozzie place 5 th in section 2 of the Primary Dressage. In showing, David Smyth and his home- bred horse Sel Livewire placed 5 th in the 4 year old class, while Catriona Kavanagh and Bouncer were 3 rd in the intro to show- ing class. Sarah Malone and Jinx were 4 th in the Primary Performance Hunter, Ol- ivia Nolan and Bridgemount Esker Lily were 6 th in their working hunter class, while Catriona Kavanagh and Bouncer were outstanding to win their Connemara Performance Hunter Class. Castlehill Riding Club T he members of Castlehill RC have been extremely busy for the last few weeks at regional and national shows. The club made its way to Mullingar EC re- cently for the AIRC’s Riding Clubs Festi- val, which is run over a weekend and had classes in all disciplines for all grades. The club performed extremely well, and took home many rosettes and trophies over the course of the weekend. Castlehill RC Basecamp at the AIRC Festival Castlehill Dressage Team at the NER Qualifiers AP SJ Team at the AIRC Festival In Showjumping, we had two Advanced Primary teams who were absolutely out- standing on Saturday, with the team made up of club secretary Olivia Nolan (Brid- gemount Esker Lily), Elaine Mulligan (Cavram Pheobe), Marie Delaney Moore (Dangan Coronation) and Paul Murray (Gentle Henry) placing 2 nd out of almost © July 2019 The Meath Coaster 47 The camaraderie and teamwork on dis- play for the weekend was fantastic, and huge thanks goes to everyone who helped to build and take down basecamp, espe- cially Francis Hand, and to all those that volunteered to help over the weekend so graciously THANK YOU. It’s events like this that show why Castlehill remains one of the most popular clubs in the North East Region. Castleview Ozzie. Anne Dickenson was 4 th in the Advanced Primary Class, and Lindsey ilona Brady and Trigger Joe were 2 nd in the Advanced Intermediate class, just ahead of club-mate Kate Hutchinson and Dolmen De Klerk who were 5 th . Well done to all our members that com- peted recently, and we’re looking for- ward to plenty more fun and frolics in the months ahead! For more information, please “like” our page on FB or contact Olivia on 086 – 3831802. § Catriona Kavanagh and Bouncer Lindsey ilona Brady and Trigger Joe Sarah Malone and Jinx Two teams representing the club also trav- elled to Killossery Lodge Stud recently to compete at the NER National Dressage Championship Qualifiers. Both teams performed extremely well, but it was the team made up of Lindsey ilona Brady (Trigger Joe), Olivia Nolan (Bridgemount Esker Lily), David Smyth (Sel Livewire) and Klara Ralph O’Connor (Castleview Ozzie) that placed 2 nd on the day to earn a place at the national dressage champion- ships in August. Individually, Klara Ralph O’Connor won the primary class on her lovely cob © July 2019 The Meath Coaster 48 www.instagram.com/eastmeathunited www.twitter.com/EastMeathUnitedwww.facebook.com/eastmeathunitedfc wouldn’t have done. I’m sure the powers that be have their reasons but I feel they are fundamentally breaking the golden rule. Context: In 2015 the FAI in conjunction with a lot of researchers and international bodies launched a Player Development Plan or PDP as we refer to it. Now to most people that means nothing surely the kids just go out and play if they are good enough they get to go to the top teams if not the might not get a game and that’s where you’re wrong. The FAI looked at what was done with youngest players in some of the most suc- cessful European countries and compared them with the youth formats we had here. They deemed that to be successful in in the progression of soccer in Ireland we needed the whole football community to work together to create uniformity in what young players experience when playing no matter where they are in the country or their starting level. They looked to build on the skills of coaches who had been there for years so that every player could benefit, with the ultimate goal of improving standards across all levels of the game. They acknowledged the need for the The Golden Rule for Coaches: by Ciara Grant I have coached a lot of sports and kids as I’ve said in previous articles, I also watch a lot of sports ranging from the highly competitive to the not so. Between that and of course teaching I see a lot of different things and many of which could be categorised in the “good” or “not so good” category but the more I think about this, the more I think which catego- ry you a style or skill set in is subjective and is very mush dependant on you own personal experiences and philosophy. However, regardless of that, I think for a coach the first and golden rule of coaching is simple: Put the interests of the players above yours. Now I could write that in big bold capi- tals, to highlight its importance because it is the start of any coaching relationship. I’m writing particular piece in response to changes going on within underage soccer in our area at the moment, changes that could have a detrimental effect on how a player feels about the game or how they progress in their player’s journey. I am seeing or hearing things these last few months that clash massively with my own personal stance on player and coach development and is something that if we as coaches were given a direct say East Meath United© July 2019 The Meath Coaster 49 golden rule and looked at implementing a player-focused model based on enjoyment and skill development to reduce the em- phasis on winning at all costs. At the time some were sceptical ‘If they are not going out to win what’s the point’ but ultimately it was agreed by parents and coaches alike, whilst understanding that kids are naturally competitive, we needed to focus on, and understand the importance of player development versus simply winning matches. Winning at all costs inhibits player devel- opment and can lead to a sense of frus- tration and failure. The match result is secondary to the quality of play and the enjoyment of playing. It is essential that young players are free from the constant pressure of winning and are allowed a certain level of freedom on the pitch. Then as those players get older and have a better understanding of the game the process becomes increasingly more team- efficient, with a greater onus on results. So squad sizes were caped, game formats were changed, standard goal, pitch and ball sizes were implemented so that re- gardless of whether you played in Meath or Kerry you would have the same experi- ences. Minimum playing time was introduced with roll on roll off substitutions to make sure everybody got the same game time.Next >