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Hello, I will be setting myself up as a sole trader from 1st February. I plan to use my real name for business purposes as is usual for a sole trader, I imagine. However, I do plan to use a business name for marketing purposes. I've thought up of a great name, but found that there is a similar...

Thank you, I was considering Ulster Bank. Does anyone know of a site where I can compare the different business accounts - I'd like to get an overview of the current bank fees.

I shall be starting to work as self-employed from February 1st and would like to open a business bank account. I'm with BOI for my personal account, but really would prefer to change bank for my business. Any suggestions? I don't need a business loan or anything like that a current account for...

Shame on the government for cutting these grants - more and more people will be in fuel poverty as a result. Many people saw this cut coming months ago, though and rushed to get their houses insulated.

If you put your clothes on a high spin cycle 1800 rpm your clothes shouldn't come out of the machine soaking wet. Put your clothes on a extra spin cycle if you want your clothes to come out less wet. Some people have no balcony or garden to dry their clothes, remember and have to dry them...

A pillow? What if birds use it as a nest???

Eco living books I actually have two: 1001 ways to save the planet, €3.99 and the Eco-living Handbook, €4.99 Both are very comprehensive, giving tips from how to run your household to buying clothes.

I've heard that too. But it depends where you live. Where I live, we do not pay anything for our water so it's free. For us, it works out cheaper to do the washing by hand.

Have you looked into the Distance DELTA? You can do most of the course from anywhere and the fees aren't that high. Google Distance Delta.

Thanks! They must have changed the rules so, I could swear it was different a few years ago.

To those of you who use tumble dryers, beware they are the most energy consuming household appliances, so if you want to cut your energy bill, sell your tumble dryer now! Try instead to dry your clothes indoors on clothes horses. Even without the heating on, clothes dry. Gas and electricity...

That's quite frightening for anyone who uses gas. We have two unused chimneys and I was considering getting chimney balloons to block them. Now, I'm having second thoughts. How much heat can be lost through the chimney anyway?

You didn't say what rating your old fridge freezer was. You could still save heaps on your electricity bill by getting rid of your tumble dryer and dishwasher! You have a fish tank, as well? Can you not buy a pet that doesn't require electricity?

Thank you for this advice! Could be well worth investing in.

Dear OP, Please read my five energy-saving tips below: 1. Sell your tumble dryer! If it's in good nick you'll make a few quid and in the future you'll be left with no choice but to dry your clothes like those of us without tumble dryers - indoors on a line or a clothes dryer. As a result, you...

Can anyone tell me whether in my first year as a sole trader I pay taxes on my profits? My profits will amount to ca. €10,000. I know this used to be the case a few years ago, but I'm not sure if there has been any changes to conditions for the self-employed in the budget yesterday.

Are you sure? What if the director is in a high-tax paying country? Would the local rules for tax not apply, and not Ireland's PAYE system? If it is true, sounds like a very interesting business opportunity. Paying lower taxes while living in a country with high taxes but cheaper standard of...

Ok, fair enough. But I was wondering about something... if the director was nto living in Ireland but in another European country, would (s)he still be paying PAYE?

Yes, I did. I haven't yet set up a limited company. I'm just setting it up, I won't be employed by it.

I said I was self-employed, that means I am a sole trader. I didn't found a company. god, how people jump to conclusions here! If you're not sure, then ask questions, but please don't make presumptions! Seems you didn't read my post correctly. How do I intend to survive? Not all of us have to...