Welcome to this special 10th edition of The Money Doctor - Ireland's most comprehensive finance guide.

Helpful at every stage of your journey through life - whether you need advice on taxes, pensions, investments, mortgages, debt or your redundancy rights - The Money Doctor 2015 provides a simple and easy-to-understand guide to finances in Ireland, including how Budget 2015 will affect you. The area of most concern to Irish people is the increasing and ongoing problem of mortgage debt and arrears.

The Money Doctor 2015 is fully up to date on changes to the Personal Insolvency Act legislation and the Mortgage Arrears Resolution Process (MARP), together with the dos and don'ts of bankruptcy. Now, more than ever, it is of paramount importance to seek independent advice from a qualified financial adviser before considering any type of financial commitment.

This book and the Money Doctor advisory services will go a long way in the quest to better manage, safeguard, preserve and grow your money. `John Lowe's special talent is that he explains complex financial issues in a readily understandable way.

That is what has made the book a bestseller for so many years.' Pat Kenny, Newstalk FM `A terrific book that you can dip in and out of - and written in a very user-friendly way.' Gay Byrne, Lyric FM `This is strong financial medicine from the Money Doctor and is a must-read that I regularly refer to.' Jim Power, economist `Readable.

Reliable. Accessible. This is one doctor that will save you money.' Joe Duffy, presenter of Liveline, RTE Radio 1 `If in your financial life you value prevention rather than cure, then The Money Doctor Finance Annual is essential reading.' Brendan O'Carroll, writer of the BAFTA award-winning show Mrs Brown's Boys