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    Investment as a baby gift?

    Thanks all. Coincidentally, I just came across this earlier - gift cards from the local supermarket: http://www.wsj.com/articles/are-you-ready-to-buy-stocks-at-your-grocery-store-1444728780 Good ideas re the commemorative coins and piggy banks!
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    Investment as a baby gift?

    Hi all, I'm at an age where lots of my friends are starting to have babies. I have purchased prize bonds as gifts a few times, but was wondering about something a little more interesting or unique. Is there any investment product that can be purchased as a gift? e.g. €50 on some index fund...
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    Lifetime Community Rating coming in on 1 May

    Thanks BazzaDP & Mexicola. That makes more sense now. All the prices quoted on both the HIA insurance comparison page, and all the PHI companies show the net price. You need to go digging to see the gross. As someone with no PHI, and no knowledge of the 'system', I assumed the quoted price...
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    Lifetime Community Rating coming in on 1 May

    Hi all, I'm been looking at some calculations on this. Looking at [broken link removed] I can't seem to work out their maths? I tick all the boxes saying that I've never had health insurance or lived aboard etc, and put in my age, and it suggests a 2% loading. I then assumed a policy cost...
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    Home Renovation Incentive tax scheme introduced

    Hi all, The info is online now at http://www.revenue.ie/en/tax/it/reliefs/hri/index.html One of the questions says: That's somewhat confusing, as it first says no, and then suggests yes. My project is much larger than the HRI limit of 30k, and I'm planning a SEAI grant application...
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    Topping up FTB Mortgage - Interest relief

    Hi all, I got an answer from revenue. If I top up before December 31st, it would just be considered year 3 of my FTB mortgage, and hence attract relief until 2017. However, if I top up in 2013, it will attract no relief at all. The way I see it, if I top up by 100k prior to 31st Dec, at 4%...
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    Topping up FTB Mortgage - Interest relief

    Hi all, I got my FTB Mortgage about 2 years ago (2010) - it's small at the moment, but I intend doing a lot of work on the house. I've engaged an architect, and we're looking at costs of ~€100k for a full refurbishment. My mortgage will essentially double once I get it approved (I expect...
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    AIB not paying correct rate of interest to online saving account

    Just to echo what has been said later in the thread, I too have an online savings account. Just hit 5 years, so got 50% bonus interest, so a rate of 3.375 for me this year :) However, this is a regular savings account, rather than a lump sum, so interest is calculated daily on the amount you...
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    Inheritance tax on gift from Father of second house

    Hi guys, A very similar question. (Mods, feel free to move to a new thread/forum if appropriate) My aunt inherited a house from my grandfather during the boom, and valued then at 400k. (below threshold, so paid no CAT) At best it's 'worth' €300k now I think, so let's take that for arguments...
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    Ballpark Fixed Business Costs

    I fairly sure we'll be exempt from rates under Schedule 4 of the Valuation Act 2001: http://www.irishstatutebook.ie/2001/en/act/pub/0013/sched4.html#sched4 especially as we're looking at possible constructing this facility in association with a school (and we're a non-profit charity) But...
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    Ballpark Fixed Business Costs

    Hi all, Looking for ballpark figures for some back-of-the-envelope costings, of a possible new venture with a 8000-10,000 sq ft warehouse type building, for an indoor sports club. I'm looking for some rough figures for the following: Electricity Costs - Just lighting really, but would...
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    Sports Coaches

    Hi all, I'm involved with a sports club (we're both a charity and a limited company). We have no employees, and any 'profit' is reinvested back into the club. We have about 25 teenagers/students, who help out with the coaching of our younger members, and we've traditionally given them a...
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    An Post Bonds & Certs.

    That expression is probably inaccurate in this climate :) An Post Bonds and Certs are much safer than houses :)
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    You can watch the Dail Committee discussion live

    The whole session is on RTE's website if you the time to want to watch it - over 4 hours! [broken link removed]
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    Gold fund

    Have a look at the SPDR Gold Trust ETF. It trades on the NYSE using the ticker symbol GLD. There are plenty of articles online about this fund. http://finance.yahoo.com/q?s=GLD 1 share will cost you $93.65 today, so no need for a huge investment. The fund owns actual gold, and follows the...
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    Spread betting platforms

    I have an account with deltaindex - I find the platform to be good, but I have no experience with any others. Be warned about the dangers of spreadbetting - see my tale of highs and lows here: http://www.askaboutmoney.com/showthread.php?t=94255 (Gradually working my way back :) )
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    NAMA 3 Constantin Gurdgiev

    Dr. Constantin Gurdgiev has proposed an interesting alternative that he calls Nama 3.0 that includes also some proposals advanced first by Patrick Honohan, Brian Lucey and Karl Whelan It follows the swedish bad bank model, and includes such things as debt-equity swaps, full writedowns of...
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    Lots of viewings but no offers!

    I'm on the market for a house (FTB), as indeed are many of my friends - at that kind of age now! - the general reaction from my peers is that they are waiting to see what happens with NAMA and the budget in December, (add to that the Liam Carroll judgement which has made NAMA even more...
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    Theres a house being raffled in Co. Waterford for €25 per ticket. T&C's? Legality

    It seemed odd that there is only one picture of the house on the website, but from the FAQ - So it's not even finished yet, so looks like some of the proceeds will be used to finish it off!
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    Capital Gain v Loss

    Is this Anglo Irish by any chance? (I'm in the same boat) Their website states: Which I guess means that the shares are suspended rather than liquidated. I suspect I just have to wait to be told that I have sold them to the minister for 0¢!, before it can be written off for real.
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