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    Revenue max lump sum on early retirement

    I'm looking to see what the maximum tax free lump sum is on early retirement for an employee in Public sector - teacher. From research it seems to be max of (i) and (ii): (i) 3/80ths x actual service at early retirement x final remuneration (ii) N/NS x LS x final remuneration, where N=actual...
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    Capital losses

    I have capital losses from past years both declared and undeclared, and looking for advice. Have found it difficult to find answer anywhere. I am a PAYE income earner, no other income or complications. Questions: When I come to offset previously declared losses against gains achieved in the...
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    PRSI Class A and Class D service

    That's great, appreciate that. I should clarify that the numbers received from the Department of Education for early retirement at age 56 exclude the service for coordinated pension (Class A). What's slightly confusing though is that these Class A years of service are noted as 'PCW' so it...
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    PRSI Class A and Class D service

    Hi Looking at options in relation to public sector early retirement for a relative, and find it quite confusing, so would really appreciate some advice here. Having received the record from the Department of education, it looks like they have both Class A service (5 years from different...
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    NPPR Fee due again in March

    I'm doing a round the world trip at the mo and place is rented out at home. I think this means I have to pay the EUR200, even though it is my only 'home'. Is that right? Is there a right to appeal this? thanks
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    Elderly Parents - Spanish Beach Holiday?

    Looking for a recommendation for a Spanish destination for a bit of sun for the parents. Fly out of Dublin (or Shannon). They're sprightly enough but won't want somewhere with crazy nightlife! Would like to be within walking distance of beach/sea. Good local food. Nice walks etc. Not...
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    ARF Charges - did anything come out of these submisions?

    You should consider the following ideas... the charges cover a lot more than simply investing your money e.g. they have to employ people to answer your queries. The charges typically also cover the cost of your broker etc. If you don't want to pay for any advice then that's a different matter...
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    Permanent TSB to raise interest rates

    It is genuinely difficult to understand the reaction here. Unless Permanent-tsb are a state company and I don't think they are, then surely the management is obliged to run the business on a commercial basis. You don't have to be a boffin to figure out that if a lot of mortgage holders are...
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    Career change guidance

    Any know of a good professional service providing concrete useful career guidance? Friend is 'stuck in a rut', taking temp jobs, aimless - no career plan or path. Has anyone used a career counsellor or service they would be willing to recommend? Thanks!
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    Apartment Management Cos.- who is responsible for managing terms of lease.

    Correct the MC should have issued proceedings for breach of lease. However, the old problem with apartment blocks raises its head again. I think the point is that as an owner you are part of the MC. Whether you realise it or not, you have appointed directors (some of the other owners) to run the...
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    evergreen.

    "Myopic loss aversion" - Oh lordy, I think any first time investor reading this might now also be suffering from a severe case of discombobulated mis-comprehension.
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    evergreen.

    My understanding is that the evergreen fund is about 70%-80% invested in equities and property. That is not low risk. It is probably high risk. That's not to say you shouldn't be investing in it, but you should be aware that something that is so heavily invested in equities etc. will swing...
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    Irish Commercial Property fund

    What is the relevance of the 5 years? Only problem with deciding to cash in now is that you have no idea what value you are going to get in 6 months time.
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    investment in uk

    Need a lot more info to decide that, but generally speaking cashing in one commercial property and using the proceeds to buy another, having incurred the (substantial) costs of selling and buying, doesn't seem like a sensible route.
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    Most Competitive Income Protection Insurance Provider?

    But do you not get what you pay for. Generally if you want guarantees then you pay for them. Often guarantees are not worth it. I think of them as an extra payment for an insurance policy that my premiums won't go up. How much cheaper is the reviewable product from Friends First or Irish...
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    €70k to invest - property, shares - or neither?

    Re: €70k to invest - property, shares - or neither? That fund is down 13% in November, another 4% in December, another 12% in January. So about 30% in 3 months. Equity = high risk. Leveraged equity = high high risk. If you're happy with very large swings in your fund value, then fine go...
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    Magnet Funds

    On page 5 it says "Additional charges may apply depending on the product you select." I guess that might account for the extra 0.3%.
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    Inheritance/gift tax

    If a child has been gifted assets from her parents when the parents are still alive, but now wants to gift those assets back to her parents, is there tax payable on the transfer back to the parents?
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    Hibernians spectrum bond going through the floor

    If you are invested in property you should have expected about 12% to be deducted from your value at some stage. It's pure luck if you avoid these costs, and certainly no penalty that you do incur them. If you buy any property and then sell it, you would incur about 12% costs in doing so...
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    BCP Lock-In Coupon Bond

    Not explicitly, but BCP are only using 95.7% of your money to provide the benefits they outline. The question I would have concerns the stock choice. They don't say why they have picked those stocks, and there are some very unfamiliar names in there. It's unclear what brings these particular...
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