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I am currently on holiday in Canada and I bought something on my Ulster Bank visa card. I was charged €24.10 after exchange rate. I had to return it 30 minutes later as it was faulty and the refund went through 30 minutes later for €23.15. I understand that foreign purchases are subject to...

Bear in mind that the original brochure was produced a few years back so the design company are entitled to charge a retrieval fee at the very least to dig out the artwork and send it across. Even if this only takes few minutes to complete (assuming a good back-up/archiving facility), the...

File the correct return and then just email them and say that you are having cash flow difficulties and will pay as soon as possible. I did this in January with a liability of €4,600 and they were very reasonable. They emailed back to say they were putting a hold on the account for a few...

Great, that makes sense. Thanks!

Does the 'self-assessed' Income Levy rate apply to proprietary Directors of Ltd Co.'s or is it the regular PAYE rate? In other words, if I'm taking a salary through PAYE do I need to back-date to January and use the 1.67% rate, or just continue on as normal and use the 2% rate from May 1st?

Wow :eek: I didn't know that. I suppose it is a little bigger than Ireland after all ;) I suppose it doesn't seem that bad really. Small price to pay for a 12 month adventure! BTW, just got an email today that my visa has arrived. Bring on Vancouver!

I just came back from a skiing trip to Austria where I just brought my bag as hand luggage on the way over, but because I bought ski boots over there and needed to carry them onboard for the return leg, I just checked-in at the airport and told them I had a bag to check-in. They charged me €20...

Thanks. I had expected somewhere around €1,200/€1,300 so €950 is bearable. Still a rip-off compared to going alone but not as bad as I expected. I might fly to Toronto and get a train across if it works out cheaper!

I'm heading over to Canada in September through USIT's Under 35 Work Programme. Has anyone who is doing the same purchased their flights through USIT yet, and if so how much did they cost? If you can give me dates and cities as well that would be great. I'm thinking of heading to Vancouver at...

Thanks for the update. I reckon I'll take my chances and book the premier seats. Fingers crossed!

Does anyone know if the Dublin/Waterford Intercity train is a new model (green/silver I think?) or the old orange train? Reason is, I am thinking of taking the train to Waterford next week instead of driving but the last time I booked premier seats they were identical to standard seats, just...

BER's are a complete waste of time. Even if the assessor tells you your property is rated G (or whatever the worst is) there is absolutely nothing you have to do. No requirement to upgrade the property, no laws to say you must improve the rating. I bought an apartment less than 4 years ago and...

No, of course I didn't think you could get more than 100%. I was simply wondering if there were additional reliefs available in other areas as well as mortgage interest.

I didn't 'think' there was, I just asked because I didn't know.

No, I knew you could write off the interest but I thought there might be some other additional benefits that's all. Cheers!

Thanks ClubMan. I must look through my original T&C's. Is there any kind of relief (similar to TRS) for investors?

Are you legally obliged to change your 'owner-occupier' mortgage to a 'residential' mortgage once you let your PPR, or does it depend on the bank/contract/other? etc? Also, do you have to notify Revenue so they can stop paying TRS?

I noticed this evening that the immobiliser light was flashing on my Toyota Landcruiser. Anyone know if there's a quick fix for this (I heard something about using the master key to stop the flashing) or do I have to go to a garage?

Excellent, thanks.

Does anybody know how, as an employer, I should pay the Income Levy? I use ROS so I am thinking I can just include it in the 'PRSI' box.