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  1. K

    Understanding tax liability on rental income where jointly assessed & Spouse working/retired

    Hopefully someone can advise on this. It is likely that I will unexpectedly have to stop working due to a recent accident (where no one at fault). I am 57 and my wife 58. She will be sole earner for 18 months and will then retire at 60. Her current semi state salary is €46,800 and on...
  2. K

    N26 Launch Savings Account Paying 2.80% to 4.00% less fees

    Digital bank N26 puts it up to Irish banks with instant access savings account paying 4pc https://www.independent.ie/business/personal-finance/digital-bank-n26-puts-it-up-to-irish-banks-with-instant-access-savings-account-paying-4pc/a1428015157.html
  3. K

    Contribution to AVC in final year before retirement

    Is there any reason I shouldn't make a significant contribution (within allowable limits) to my wife's AVC pot in final year before retirement. Her AVC has 103k in it. She is semi state since 16 retiring at 60. Thanks
  4. K

    RPZ - Barrier to entry for Landlords looking to buy.

    Perhaps this has been mentioned before, the RPZ means landlords selling up with low rents rely heavily on owner occupier to purchase as the low rent is very unattractive to potential investor who would inherits whatever rent was previously set. There is another side to the coin. I as an...
  5. K

    Tenant in situ- calculate property value

    Seeing quite a few properties for sale with tenants in situ at low monthly rent. What is the accepted method to calculate the property value in such cases? Monthly rent x 12 x ( how many years?)
  6. K

    Partial pension contributions in given year count toward State Pension

    Looking at my statement of social insurance contributions throughout my working life I see some years are 46 or less... do these count toward State pension or do you need the full 52 to qualify each year and anything less is a lost year?
  7. K

    Buying rental property in Newry

    Looking at Newry to buy perhaps 2 rental properties. Cannot buy in Dublin as Govt not competent & cannot be trusted (not going into it, well understood by any LL). Has anyone from the South any recent experience of potential trip hazards and advantages of buying up North?
  8. K

    Landlords NOT selling up

    There have been a lot of stories, articles, threads etc on Landlords selling up due to the very challenging environment. Not going to go into these reasons. Well laboured and stated in previous threads and understood by all Landlords currently engaged in the rental market. Who I would like to...
  9. K

    Rental property: Tax treatment for second hand items

    Occasionally I will buy items on adverts or done deal for rental properties, maybe washing machine, microwave or toilet seat. I have not included them in the off set against rental income but wonder if I should or can?
  10. K

    Vodafone Broadband Contract termination notification

    I had a one year contract with Vodafone Broadband at 35 eur per month, i was expecting to receive notification that the contract was ending instead I found the price offer/1 year contract had ended when the took 69 eur from my account. I rang them to ask why they had not notified me, their...
  11. K

    AIB, EBS cut variable interest rates

    THOUSANDS of homeowners on variable mortgage rates are set to benefit after AIB, EBS and Haven cut their home-loan rates. The lenders, which are all part of the AIB Group, have reduced the variable rate by 0.25pc.
  12. K

    Mortgage holders face €330 bill for Ulster Bank blunder

    More blundering from UB-They really should be using clown theme music in their ads.
  13. K

    Fears bank could sell ICS mortgages to funds unregulated in Ireland

    http://www.independent.ie/business/irish/fears-bank-could-sell-ics-mortgages-to-funds-unregulated-in-ireland-30133528.html Surely there is little value in the IT & general infrastructure?The real prize are the performing loans?
  14. K

    RBS to merge Ulster Bank with PTSB?

    Royal Bank of Scotland is considering merging its troubled Ulster Bank business with Irish rivals, according to a report. The taxpayer-backed lender is mulling a tie-up of Ulster with other lenders to strip out costs at the loss-making division and help boost its position in the Irish...
  15. K

    Motor Car accident claim still open will I even be quoted at renewal

    Had an accident this morning,car reversed into mine at traffic lights in city centre,I was stationary at the time,exchanged details etc. Heres the thing,my insurance is up for renewal in 12 days time,I have never had any claims etc but this will still be ongoing and open when I look for...
  16. K

    Gardai ask: Who is this girl?Then use CCTV pics of her!!

    Decided to have a look and see what this mystery girl looked like,assumed the Gardai would have a series of decent,professionally taken head shots,instead we get a series of poorish quality CCTV picture grabs. Those pictures were sent around the world,a good percentage of media both print and...
  17. K

    British government ‘wants Ireland to buy Ulster Bank’

    Straight from Ripleys believe it or not...sadly for the Brits we are fully stocked up on incompetent loss making Banks.
  18. K

    Interest rate hikes for AIB, EBS & Haven customers

    Getting their punches in ahead of an expected ECB rate cut in May,I would expect the others wont turn down this opportunity either. Full statement AIB Mortgage Statement AIB has today (Wednesday, April 24th) announced an increase in its variable mortgage rates by up to 0.40%, effective from...
  19. K

    Landlords may be allowed write off property tax as expense

    The bad news is the source of this story is the Irish Independent.:rolleyes:
  20. K

    Ugandan Aid-A Fool and their Money..

    We are a Country that is in an IMF bailout with all that this implies. Borrowing money to throw at a corrupt Govt who buy tanks and planes while their citizens starve is utter nonsense of the highest order,this needs to stop immediately. There was a woman on the news this evening from some...
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