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Well, it was worth a try! Anyway, being able to contribute to class 3 is still great value for the potential return you might get in pension payments. If you know out how many possible years' contributions you can make until retirement - let's say 20 for example, then you'd get 20/35 of the...

If you're in employment in Ireland and lived for at least 3 years in the UK before coming here, then you should be able to pay the cheaper class 2. There's a table here that explains what class you should be paying: www . gov . uk /...

I don't have that many posts, but I was trying to post links to the Revenue and UK HMRC websites and couldn't get them to work. (They're both quite useful on a forum concerning money...)

For Ireland, well if you're in employment here, then you're already paying PRSI so there's nothing to do there. There's a leaflet you can download from the HMRC website called Social Security Abroad: NI38. Within that, there's a form (CF83) you can fill in to start paying voluntary class 2 NI -...

Yes - "I advise you to call a solicitor."

If you don't have a full contributions history in either the UK or Ireland it might make sense to combine them. It all depends on the numbers. A full UK pension is £9,110 (about €10,300 today), and the full Irish one is currently about €12,900, much more generous. If you don't manage to build...

You can pay voluntary class 2 NI contributions in the UK in addition to paying PRSI in Ireland. You may not be able to fill in some of the gaps, but anything helps. You'll get a full UK pension on 35 years contributions, and you'll need (I think) a minimum of 10 years contributions in Ireland...

Interesting point - from what I've read, they'd need to have shown "intent" to take possession, and that the other owners would need to have been unable to exercise rights associated with ownership. I'd imagine the fact that they all have keys to the house, and can walk in any time and make a...

Thanks for the replies.

Hi, My father-in-law comes from a very large family, and both his parents died 20 years ago without either having made a will. Three of his siblings still live in the large family house and are themselves now elderly. No attempt was ever made to sell the house or divide it in any way after his...

Can you explain why is this dividend income tax-free?

I'm all for someone making money from a good idea. In this case however, this "good idea" seems to be that this execution-only broker makes 25bps forever simply by acting as a gatekeeper. Not only is he not adding value, he's destroyed your ability to use that money productively in the future...

The Central Bank's website has a complaints email - [email protected] - although with a name like "enquiries" I wouldn't hold my breath. They also link to their Code of Conduct, page 32 of which mentions that all regulated entities should have their charges "easily accessible to...

Can I ask why you need to transfer your pension at all? I know there's all this messy Brexit stuff coming up, but would it be possible to keep it in the UK where there is much more choice? Is the fund being wound-up, or are there other legal restrictions forcing you to move? Or if you feel you...

I think part of the problem is that for the person who "knows exactly what they want", they shouldn't have to pay for things they do not need. And this may also include the need for a broker or other intermediary. In the UK for example you can go online and create an account with say...

I read about EU proposals for a Pan-European Pension Product ("PEPP") which aims to create a single private pension that's portable around Europe. You could work in Ireland for a few years and contribute here, move to Spain for a few years and contribute there, etc. and in each country...

If it is possible, I'd keep the pension in Switzerland. Your money will be safe and you're likely to have a much wider choice of investment options, and probably with lower fees. Remember the levy on private pension funds in Ireland? I suppose it's possible the Swiss could at some point start...

Yes, governments can try all sorts of shenanigans, and they surely will, given an ageing population. If I planned to retire abroad, and the government decided not to pay my pension, then I might well have to stay put and be an angry pensioner. In that case I'm much more of a burden to the state...

Well, British retirees living in the US and Canada both receive the UK state pension. The US pensioners get the normal, indexed increases in their pensions, but the Canadians don't. Neither country is in the EU. UK pensioners all around the world receive pensions whether they are in the EU or...

The UK already pays pensions to thousands of people outside the EU, and they said last year they'd pay pensions to people in the EU after Brexit. This doesn't appear to have anything to do with any EU deal. Pensioners in some countries don't get annual increases in their pensions if there...