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If I may piggyback on this thread. I have 40 year old house and plan to get bead external wall insulation and improved attic insulation. However I am told that I must have either wall vents or trickle vents in windows per current building regulations. I got triple glazed windows couple yrs ago...

Thank u for the prompt and comprehensive reply

Apologies for error above; For clarification if an individual has $1.2million in U.S. shares is estate tax calculated by deducting the $60k relief and the total balance is taxed at 40% or is it on a graduated scale based on the tax table

For clarification

My insurance is up for renewal on August 1. We have been with VHI for over 40 years and currently on Health Access plan. Quotation for coming year is 3934 euro for 2 people. My wife is very reluctant to leave VHI which restricts movement. Can someone please advise a cheaper plan to above with...

Thank you so much for your reply and analysis. We dont plan to leave VHI which narrows the options. A friend of mine said that she saw PMI3613 recommended in an article in a newspaper. I will check HIA.ie for comparison but my wife in particular is wary that there is a "trap" in the terminology...

My wife and I are in our mid seventies and have been with VHI for up to 40 years. For the past 5 yrs we are on the Health Access plan. We hear a lot about not remaining on a plan for too long as we are ending up being overcharged. Our health is generally good and we dont have medical cards. We...

I have considerable no of shares in two U.S companies and those are administered from U.S. by Computershare. I resigned myself to be stuck with the fact that a lump of tax would be deducted in US after my demise if I hadn't disposed of them beforehand. However, I was reading an article which...

We have a family grave which has a considerable amount of decorative stones similar to countless other graves around the country. However these stones have become dirty and grubby. Is there an effective means of cleaning/washing them or is it a case of replacing them ??

My wife and I are in our 70s and in generally good health. We have Health Access cover with VHI. We have been with VHI for over 40 years and my wife refuses to entertain switching to an alternative provider. We have just received our renewal notice as it falls due on 1 August. The cost has risen...

Apologies I posted this in the wrong section previously; I purchased a Stanley Donard range in July 2015. Yesterday morning I was riddling the grate after previous days fire and the centre section of the grate fell into the ash bin underneath. I cant believe it burnt out so quickly. I use...

I have recently received the W-8BEN form relating to withholding tax on U.S. company shares which I own. I have received these at regular intervals for many years. However this one is requesting D.O.B. and Foreign Taxpayer Identification Number (TIN). This appears to be a new requirement as I...

Thank you for reply. I was asked a few times when lodging some $ denominated dividend Cheques if they were actually dividends. Asked accountant friend of mine as I thought it was odd question myself and she said that Noonan introduced that requirement in one of his early budgets and that it was...

Can I please ask on this thread... Are Irish Banks/financial institutions required to deduct tax and U.S.C on dividends lodged with them

I have a Ferroli oil fired boiler for approx 13/14 years and it is working well. However, a couple of people have said to me that I should replace it with an up to date boiler as it is infinately more effecient and cost effective. I would use one fill of oil per year. Any thoughts out there on...

Approx 10 yrs ago I signed a 6 mth contract with a company to provide a service as a Consultant. After the contract expired I continued to provide the service sorely to this company up to present time without a further contract. I was paid for the days worked per month which was generally 12 to...

I have a wooden railing on the perimeter wall along the road for over 20 years and its now the worse for wear. I would like to replace by a metal railing. Length approx 55 mtrs. Ht 400mm. I dont want anything "fancy".. simply a galvanised metal rail with the usual "spiked" tip. A friend of mine...

She has an excellant tracker ECB+0.8%.She had a 200k mortgage but paid off over half with a redundancy payment a no. of years ago and has been "overpaying for past no. of yrs to complete and now has approx 1 yr left. I cant see them in the wide world extending those terms to her. Thank you for...

Thank you for further update. I replied too quickly above.We have solicitor that we have used for years so there would be no harm in asking them.It is also possible to test the mortgage lender as she was very effecient with her old mortgage but I'm probably naive saying that in current...

Thank you. I hadn't thought of the Step 5 bit jumping up to bite.