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    House borrowing options for over 60's

    You'd also have to consider if your kids will go to college and if they can commute to where the new house will be. Or will you have to budget for college accommodation.
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    How to declare dividends?

    Just to note if the dividends are in USD to look at exchange rates between when you received the dividends and when you are converting the figure to put into the Form 11. Just to avoid declaring a gain that is more than you actually received in euros.
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    Lived for three years in Uk- need advice on pension entitlement

    The income tax is a consideration I never thought of. The UK pension is declared on the Form 11? If you are a PAYE worker and never do your own tax returns, how does the UK pension income get reported to Revenue?
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    Lived for three years in Uk- need advice on pension entitlement

    To pay 10 years x £824 class 3 payments to reach the 16 years is a hefty upfront investment of almost €10k. And you can't pay as you go, so to speak.
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    Lived for three years in Uk- need advice on pension entitlement

    If I similarly have 6 eligible years on record. If I only wish to pay for 4 more years at Class 3 to reach the minimum 10 years, then I get a percentage of the UK pension which will be £54 per week risng to £58. £824 x 4 = £3296 3296 ÷ 54 = 61 After 61 weeks of receiving that UK pension I'd...
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    Health Insurance Enchanced 250 VHI

    Laya have a policy called Signify Plus, it's €490 for a young adult on that. I only know about the Laya ones because we are with Laya. EDITED: The VHI plan you mentioned is Young Adult (18 - 20 yrs) - €400.77 so that's cheaper than the Laya if the person is just turned 18. There's a comparison...
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    Do I need to return to work for a contributory pension?

    Not sure are you eligible to join Voluntary Contribution Scheme to pay for the lost years? If you are within 5 years (60 months) after your youngest child reached 12 (if youngest child is 17 or less) then you are eligible to apply to join the Voluntary Contribution Scheme and pay for missed...
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    Does it make sense to take out as big a mortgage as possible?

    I agree that getting a loan of the most you are allowed can be a good idea. Unless the repayment is so high that you are very squeezed every month and then end up topping up with savings. What percent of your take home pay will the mortgage payment represent? If you are planning kids then...
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    Health Insurance Seeking cover - 22 year old

    Laya's plan called Signify Plus for Young Adult is a good price at around 490 per year.
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    Setting up LTD - 2 directors - share allocation equal or not?

    "An LTD company still needs to have a secretary and the secretary cannot be same person as the director, if the company has only one director." Therefore there can be only one Director.
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    Setting up LTD - 2 directors - share allocation equal or not?

    Hi, I'm setting up an Ltd as I will be a Contractor for a new job. Looked into umbrellas companies, but this way suits best. A family member (spouse) will be the 2nd Director. Do I need to make sure the 2nd director has less than 15% of the shares? So that they are not a proprietary...
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    Options for receiving a large amount of USD

    CurrencyFair couldn't provide me a USD bank account with my own name on it (just a reference number) therefore the broker in the US wouldn't transfer money into it. They said the account needed to have my personal name on it. Wise did give me an account with my own name on it. Wise shows you...
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    Key Post UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

    For the record HMRC received my letter and CF38 22 October 2022. I received a reply today 21st June 2023. So 8 months. My original letter does not show on my UK Gateway Account and it still isn't, but I still got the reply. (Impatience had gotten the better of me, and I'd literally posted...
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    Health Insurance Health cover -22 year old

    Signify Plus with Laya for a young adult is about €54 euro per month for a young adult aged 22. The health insurance companies want to keep their young people on the books. If you ring them they will give you a decent young person's scheme if they have it.
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    Buying a house in dublin - good areas for a family?

    I'd say rent a house first and then buy something when you know the areas better. That would avoid making a monumental error that you can't undo very easily.
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    Key Post Be careful if you hold more than $60,000 in US equities

    Regarding the QDOT, it seems that setting it up crucially only defers the payment of the Estate tax until the other Non-US citizen spouse dies. Say Anne has 800k of shares in Intel, she's 80 and married to Jeff who is a retired teacher aged 85. Anne sets up the QDOT to protect her family from...
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    UK State pension - Am I class 2 or Class 3

    Is the National Insurance year from Jan to December or April to April?
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    "I am 50 should, I make Class 3 contributions to UK pension?"

    Question about this below: Is it asking me this in relation to WHEN I left the UK at that time (say 1995) or is it asking about NOW? Q. 19: Are you or will you be self employed abroad (Y/N) So it would seem to me that your answer to Q18 is 'no' and to Q19 'yes' if you are self employed. I...
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    Eir mobile upgraded voicemail system April 17th 2023

    On April 17th 2023, Eir upgraded their mobile voicemail system. This means your personal greeting is not operational since then and needs to be re-recorded. See below on how to access old messages or re set up your personal greeting; https://www.eir.ie/mobilevoicemail/
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    Health Insurance Advice appreciated on 59 year old purchasing health insurance for first time.

    These are two with high excess. Both are Laya. One is Precision 600 Total for around €960 a month (before loading). The other is Precision 600 Connect for around €814 a month. Both have exact same cover except the Day to Day expenses differ. With the Precision 600 Total the outpatients (GP...
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