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  1. J

    Putting Bonus into my DC pension

    Thanks that explains it perfectly, much appreciated.
  2. J

    Putting Bonus into my DC pension

    I am due to get a bonus in July of €10k and am unsure of the cost to me if I was to put it into my pension vs pat the taxes and recieve it net in payroll? Am I right in calculating it as follows: Either I'll pay approx 52% in taxes but if I was to ask payroll to put the €10k into my pension how...
  3. J

    Should investment income and capital gains be taxed at the same rate?

    How much does CGT raise? When it was halved in a budget years ago the tax collected soared, isn't that a better proposition for the country. We have to be careful not to fall into just a populist agenda.
  4. J

    Deals on Tracker?

    Thanks appreciate the replies.
  5. J

    Deals on Tracker?

    Hi all, We are in the lucky position of being able to pay off our tracker early. We have 11 years to run on the mortgage with AIB paying ECB +0.6%. For peace of mind we've decided to pay it off and probably top up pensions going forward. Has anyone had any luck getting a discount when paying...
  6. J

    Can Eir replace telephone pole in our garden?

    Virgin Media give you a discount on service if they have one of their junction boxes on your property. Might be a legacy thing but a friend of mine gets it from a house built in the 70's he bought 6 years ago.
  7. J

    Pensions - how good an investment realistically?

    Why would you buy an annuity? The rates are too poor and you loose control over your fund.
  8. J

    Redundancy Investment & Share Exposure.

    What I know of EFT's in Ireland is that the tax treatment is more harsh than other countries, you have to pay tax in the 8th year on gains even if you haven't cashed out.
  9. J

    2021 Car Imports from the UK after Brexit

    Apparently cars imported post Brexit in 2021 from the UK will attract Vat making it much more in attractive. Will it be the same with imports from NI as the are staying in the CU and SM?
  10. J

    Pension Buyout Bond

    Hi There, I met with a financial advisor to plan for retirement (in 7 years when I'll be 65) and I'm not sure I'm doing the right thing so just wanted to ask a quick question. I had a number of small pensions with different jobs over the years (total is €135k) and I've brought them together to...
  11. J

    LPT changes deferred for another year

    Sorry I was just being sarcastic in light of reference to 'multi-million euro homes' being brought up. Taxes are for everyone and not just for those who have more (keep the ships decanter in mind too). Anyway we'll be paying more next year as we live in DLRCoCo.
  12. J

    LPT changes deferred for another year

    That's a bit over the top, everyone knows it's the weight of the public service dragging us down. /s
  13. J

    Supports for Self-employed

    Hi all, I have taken a look at the supports announced this week for re-start grants for businesses and it doesn't appear to offer much to the self-employed. Grants appear to be linked to paying rates and you apply via the county councils. I have a small business and don't pay rates (but pay VAT...
  14. J

    Etihed Flight Cancelled what are my rights?

    Assuming you have brought the EU reg (which they know full well about) I would bring it to their attention that you will be making a complaint to the regulator. The regulator has made it clear what your rights are, See here
  15. J

    Recruitment Agency

    Sorry can't pm you as I haven't posted enough! Can you PM me the details and a contact and I'll come back to you. Thanks
  16. J

    Recruitment Agency

    Thanks MrEarl, appreciate your reply. Yeah I'm up on LinkedIn so am working that, agencies I'll do a bit of research on. They are just sales people anyway so should expect the behave mostly in the same way ;)
  17. J

    Recruitment Agency

    Hi All, I'm looking for a few recommendations for recruiters to get in touch with as I seek a new role. I currently work in Telecoms and have also experience in the financial sector. I am starting to look for a new role but am a bit unsure of how to proceed. Two recruiters have been...
  18. J

    Key Post Capital Gains Tax on sale of shares

    My wife and I have some shares we hold in a joint nominee account together. We wish to sell some which we bought and will make some gains on them. We are jointly assessed, she is PAYE and I am self-employed, can we both claim the CGT allowance or will we need to split the shares 50/50 over 2...
  19. J

    How to use Under Floor Heating more efficiently

    We use UFH heating in our 1970's house. When we did an extension we went with this in conjunction with a heat recovery unit and wrapping exterior insulation. The cost wasn't too bad as we were doing all the other work. At the moment we heat for 2 hrs a day and the temp in the house is 18/19C. To...
  20. J

    Cant get builder to finish, what rights do we have

    IMHO going the contract route and court on a small job will only lead to frustration and delays. You won't have the job finished and by the time it gets to court he won't have a penny etc and even if you win will have huge difficulty getting the judgement enforced. I had a similar situation...
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