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You are paid 12 times per year, your husband 13 times including two payments in November. A simple way to treat this is to consider you have a total monthly income of one salary from each of you. For budgeting, ignore the 13th salary from your husband, treat that as an end-of-year bonus or as...

Thanks for that, how does it work from a taxation point of view, the caretaker is providing a service and is receiving the benefit of "no rent" ? Is the caretaker an "employee" or "self-employed service provider" ?

How does one distinguish legally between a tenant and a caretaker ?

On top of the purchase price, there are legal fees and various taxes. On a 300 K property in Spain you are looking at additional immediate purchase costs of approx 36K; just those purchase costs alone would fund a few winters in Spain.

Exploring Switzerland by train with the Swiss travel pass I think is a very nice way to see the country. I would suggest that you base yourselves in Zürich or better still Luzern. You could do some nice boat trips on Lake Luzern and some very nice train trips, for example the Golden Pass Express...

This thread is yet another example of the discrimination against single people in the tax code in relation to gifts and inheritances.

It seems to me that this is just blatant discrimination against single people. Why is that acceptable ?

It seems there are different levels of issues here: 1) Standard of finish (arguably subjective) 2) As mentioned by another poster, big ticket items not yet controlled/signed off 3) Concern about “hidden defects” (currently you have no proof, but good reason to be concerned) 4) Build not to spec...

Finance Minister says that deposit rate increases are "imminent", hopefully this is not some Quid Pro Quo on the future of the Bank Levy

Under the Portugese NHR scheme, first you have to become an ordinary resident of Portugal and then apply for Non-Habitual-Residency status; if that is granted all the various elements of the scheme kick in. In any case the work you do while you live in Portugal will not be treated as foreign...

it is far closer to "yup, looks like my signature alright" than it is to "rocket science" but "rocket scientists" have lower hourly rates

600 Euro for this simple service seems excessive. From the Incorporated Law Society website: https://www.lawsociety.ie/public/Complaints-against-solicitors From 7 October 2019, the Legal Services Regulatory Authority (LSRA) deals with complaints against solicitors. Complaints about a...

You mentioned in an earlier reply that you would plan to spend about three weeks in this place in summer, and here you say you spend about €24'000 a year on holiday rentals. I had a quick look at some holiday rentals in the Algarve, to give one example I found a very nice 2 bed penthouse in Luz...

From what you say, it is good for you that you are getting out of your current situation and leaving with a redundancy package is better still, also clear that getting another similar position is not for you. It seems to me you don't have to make a decision about retirement right now, you can...

Personally, I think 51 is pushing it, an option worth thinking about perhaps is part-time work for a few years as a stepping stone to full retirement

Allow people to take out a mortgage from their own pension fund to get on the housing ladder. Leaving aside for a moment any likely impact of this idea on the Irish housing situation, for information, the approach of using your pension fund to assist in purchasing property is a well established...

To me also it seems you have a long way to go, almost a full working life, you are already addressing the pension issue and, finally, no matter what choice you make (public or private) you will probably be OK on that score, the big question is how do you wish to use and spend these next 36...

thanks, seems to be performing well, I have no idea what the Irish benchmark is during that period, I will read up on that for my own interest, for you I still think the 5% annual growth assumption every year for the next 36 years is a very optimistic assumption - perhaps you should rerun your...

Interesting comparison, perhaps others could comment but assuming 5% annual growth each year for the next 36 years seems very optimistic to me (even allowing for the 10% PA already achieved during the past 5 years) - I would also be interested to know how that performance has been achieved this...

The problem is even if they accepted that argument and went though the process of calculating an equivalent fine (which I think they won't), in a very best case you would end up with a reduced fine but you will anyway pay the costs of the appeal. I think they will reject the argument completely...