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  1. K

    Directors/Excutive Pension Plan

    Is there something similar in the market to an execution only PRSA (which I currently have)? I.e looking for 100pc allocation and lowest fees. I assume no issues with having both? PRSA via work and then executive pension for small limited private income (putting all profit into pension)
  2. K

    USC PRSA Exemption Employers Contribution

    Trying to get my head around this fully. Currently I pay into a prsa and claim tax relief. Does it make sense to get my employer to pay this amount and also get a usc deduction for it? My net pay is obviously after tax, I'm then contributing in and getting tax relief. Does it make more sense...
  3. K

    New Partner Appointments at Big Firms

    I see from the latest accountancy Ireland there has been a raft of new partner appointments at KPMG, BDO and a number of the other big accountancy firms. I've always wondered though what happens in a downturn? As a partner you are self employed - do they just return to being directors or are...
  4. K

    Site Notice but Planning not In

    Looking to object to a planning permission nearby; - site notice went up a couple of days ago but a look at Fingal Co Co website shows no planning application. How long before this will usually be in and up? (as I note we've only 4 weeks to object) - Also are there any grounds withing which i...
  5. K

    Prb/bob

    Query is very much similar to this thread http://www.askaboutmoney.com/showthread.php?t=186964 Details are; - Fathers old employer winding up DC fund - Value of his fund is €173k - Aged 55 - No pension in current job - Option of transferring to PRSA (doesn't have one) or PRB/BOB The PRB/BOB...
  6. K

    Help in selecting my first smart phone and service provider

    Decided to join the 21st century - bit of a technophobe. Looking to get a Samsung Galaxy S4. I'd mainly want this for internet access - sky sports app for when out of the house, stuff like that. Spoke to 02, meteor and 3 earlier. O2's 55e deal seems expensive - only 1gb of data too...
  7. K

    % over 'Value'

    Say you find the right house in terms of location, orientation etc. (basically all the box ticks for you). Now you've followed house prices, the PPR for a couple of years and think you know the value of a house. From a strictly investment/objective point of view you would pay X for said house...
  8. K

    Approval in Principle

    Why do AIB and BOI do things so differently? Just heard that we are approved in principle by AIB - obviously delighted. The said they'd issue a letter confirming same. When we went into BOI, who we are still waiting to hear back from, we had to select an actual house and they approve us...
  9. K

    Danske Bank Lending?

    I noticed last night Danske bank have a 10 yr 5.5% fixed rate. Anyone know if they are actually lending? Given I could see the AIB SRV at this level in about 2 -3 years, this doesn't seem to bad. Also the BOI 10yr rate is higher at present.
  10. K

    Current Outlay Costs (Conveyance)

    Aside from the prof fee + vat, what are the currently outlay costs? Broken down if possible.
  11. K

    Directors loan debit

    Debit not greater than 10% of net assets. Grossing up and paying income tax on CT. The Ct return is late so surcharge (10%) However the loan is then repaid early the following year. Do you a) amend the previous CT return or b) reclaim the tax on the next CT return and lose the surcharge...
  12. K

    Public Holidays & Annual Leave

    The details are here: [broken link removed] If I work full time, all year round and get 20 days annual leave are the 9 public holidays in addition to this or deducted from this? I've a feeling my employer is deducting the 9 days plus good friday and the few days over Christmas when the...
  13. K

    Best Day to day plan (mainly Physio)

    After months of shelling out on a sports injury (physio, mri, laser surgery etc) I got thinking it might be an idea to get some health insurance going forward. I have savings to cover one off costs so wasnt too worried about it before but for an extended battle with an injury it might be a good...
  14. K

    Aus dollars

    Finally decided to make the switch out of euro's, what are peoples thoughts on the aus dollar and how easy is an account to open? Obviously there is an FX risk. Are there any real alternatives apart from gold or at present?
  15. K

    Should I start a PRSA??

    Im 27 yo, been working in a good job for 7 years and earning 40+k a year now. Im a little concerned that i havent started a pension yet. There just always seems to be something else to pay for (saving for a wedding, paying back loans etc) Im wondering whether pensions are still a preferred...
  16. K

    Retirement Relief

    Situation - Company with reserves of approx 1 million - 2 shareholders (also the only 2 directors) over 55 - One looking at taking retirement relief before 2012 (when things may change). Share buy back to be used - Loan money back to company to use as working capital Questions -...
  17. K

    Partner in Accountancy Firm

    I have recently been given the opportunity to become partner in the firm I work in. There seems to be little in the way of information apart from the practice consulting area on the CAI website. If anyone has gone through this process is out there and is willing to help with a few questions id...
  18. K

    Worth shopping Around

    I've finally decided to start my pension and have been doing a bit of reading on here. I work in a small accountancy practice so there is no occupational pension scheme. So I have 2 options i take it: PRSA via employer or find one myself. My question is whether there is much of a...
  19. K

    Likely First Time Buyer - Savings V Pension

    Age: 26 Spouse’s/Partner's age: 26 Annual gross income from employment or profession: 41k Annual gross income spouse: €40k Type of employment: accountancy firm monthly expenditure: 575pm rent (each), 506pm car (16k over 3 years - 2 years left), plus all the usual - electricity, gas...
  20. K

    Advice

    Im sure this has been done to death in a way but i guess im looking for some specific advice. So here goes: 1. I currently have €10k in a 21 Day Notice Investment Account with PTSB, however with the fall in interest rates it is now only earning 2.50% AER. Im looking at the new 100 Day fixed...
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