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  1. S

    Can I increase the rent this year? RPZ

    4%(ish) - the RPZ calculator will give you the exact figure. https://onestopshop.rtb.ie/calculator/rpz
  2. S

    Can I increase the rent this year? RPZ

    You can review the rent once every 12 months. The last time you reviewed the rent was 30 May 2018 so you can review the rent again tomorrow if you want. Obviously the RPZ formula puts a ceiling on the amount of any increase and you still have to give 90 days’ notice of any increase.
  3. S

    State Pension Entitlement

    Surely that would just be another example of an older cohort being advantaged over their younger peers?
  4. S

    State Pension Entitlement

    Well, that won't go down well with the Bearded Ones in Liberty Hall... https://www.irishtimes.com/news/social-affairs/state-pension-lack-of-clarity-criticised-as-changes-delayed-1.3884017
  5. S

    State Pension Entitlement

    Yes but prior to finalising the design of the total contribution approach, the Government still has a number of decisions to make. One paper suggested that 30 years of contributions would be required to secure a maximum State pension, whereas another (later) paper suggested that 40 years...
  6. S

    State Pension Entitlement

    I'm not sure that has been finalised yet - aren't we waiting for an announcement at the end of the month on the design of the new rules?
  7. S

    Longest Bull Market in History

    Here's the original post - Very clear what index was being referenced.
  8. S

    Full Pension Contribution what next

    Hi @Rationaleyes I take the view that the tax position in Ireland is such that it makes little sense to invest outside a pension wrapper while carrying a mortgage. So, if I was in your position, I would keep maximizing your pension contributions (you should probably be pursuing an all...
  9. S

    Lump Sum Payment to Pension?

    Maybe I'm just being pedantic but I don't see how any unused relief is being carried forward in that scenario. Surely, in your example, you are just maximising 2018 relief, 2019 relief, etc. No?
  10. S

    Lump Sum Payment to Pension?

    Poor choice of words on my part - I meant unused relief. In your example, you are just claiming relief in two different time periods - you aren't carrying forward any unused relief from an earlier period.
  11. S

    Lump Sum Payment to Pension?

    That scenario doesn't involve carrying forward any unused relief.
  12. S

    Lump Sum Payment to Pension?

    Ah, I see. Yes, pension contributions in respect of a particular year can certainly be made at any time up to the tax filing deadline for that year. So, pension contributions for 2018 can be made at any time up to 31 October 2019 (or mid-November if filing online).
  13. S

    Lump Sum Payment to Pension?

    Eh, no you can’t. There is no facility to carry forward unrelieved contributions. Relief must be claimed by the appropriate cut off point or it’s gone forevever.
  14. S

    Lump Sum Payment to Pension?

    I'm afraid that's not correct - it's a "use it or lose it" relief.
  15. S

    PTSB ptsb fined €21m by the Central Bank

    Central Bank fines PTSB €21m. https://www.rte.ie/news/business/2019/0530/1052592-central-bank-fine/
  16. S

    Claimable tax expenses on rental property

    Absolutely. I just don't see how installing items that were not there previously (shower, tanking, warm board, extractor fan) could possibly constitute "repairs". The OP isn't simply replacing items that have worn out or been damaged with similar or comparable items. It seems to me that the...
  17. S

    Claimable tax expenses on rental property

    Thanks Gordon. The works/upgrades to the existing bathroom as described by the OP don't strike me as repairs - they very much look like enhancements to me.
  18. S

    Claimable tax expenses on rental property

    @Gordon Gekko As a matter of curiosity, would you treat the upgrades to the existing bathroom as a repair or an enhancement for tax purposes?
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