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  1. J

    1 late mortgage payment: Central credit register

    Just to close the loop, I received my credit report and, indeed, the missed payment did not show up.
  2. J

    1 late mortgage payment: Central credit register

    I have recently switched mortgage and current account from Ulsterbank to TSB. I forgot to create a new Direct Debit for my mortgage payment from my new current account and missed my mortgage payment. When I noticed a few days later I made the payment over the phone. Will this missed payment...
  3. J

    Capital Gains Tax Personal Exemption

    There's a personal exemption of €1,270 when paying CGT. If a married couple is paying CGT for the sale of a rental property, can each person claim the exemption? Thanks
  4. J

    Planning granted, what are the next steps? Architectural detailed plans vs. Engineer's plans

    Hi I have received planning permission for a renovation of my house. The plans include building a new porch, a small remodeling at the back, and the removal of an internal wall, with associated steel supports. Is it necessary to continue with the architect to get to the tender process? Can a...
  5. J

    Rental Income tax offset against pension payment

    Hi Can you offset income tax due on rental income against a purchase of additional pension payments? Thanks
  6. J

    Going rate? Solicitors fee for selling a house.

    Dublin area - What's the going rate for solicitors' professional fee to sell a house? (i.e. not including additional miscellaneous costs)
  7. J

    Purchase of notional service - should I receive tax relief?

    I will be making a tax return (as part of my wife’s sole trader annual return) which my wife’s accountant does. We’re jointly assessed so perhaps this is where things get a bit hard to follow. I have submitted a query to Revenue so hopefully I’ll get a response soon
  8. J

    Purchase of notional service - should I receive tax relief?

    Late last year I bought a year’s notional service for the year at the very beginning of my employment contract when I was temporary, before becoming a permanent member of staff. I’m notified Review of the payment by declaring it with My Account on Revenue.ie I’m confused now. Should I...
  9. J

    1930's house retrofit and renovation - is specialist advice needed?

    I'm in the process of the final architectural design stage of a 1930's house retrofit and renovation. My architect's approach is to invest in 'fabric first' and allocate remaining funds to design, build and finish. I support his approach as the house is currently very cold and utility bills are...
  10. J

    Lump sum purchase of notional service and income tax implications

    To close the loop... and for future readers with the same query I contacted Revenue through My Account, 'Enquiry' Section. I notified them of the lumpsum payment and provided them with a letter of confirmation from my old employer that the payment had been made. I outlined the steps I intended...
  11. J

    Lump sum purchase of notional service and income tax implications

    Thanks Let's say I earned 5k above and beyond my PAYE income in 2020 and I want to make a lumpsum payment of 1.5k towards my pension. Do I still have to pay income tax on the full 5k or does the tax saving come as a rebate on the 1.5k? Or do I reduce the 5k by 1.5k and pay income tax on the...
  12. J

    Lump sum purchase of notional service and income tax implications

    This year, I have earned some additional income above and beyond my PAYE earnings. As such, I have to pay income tax on this money next year. I have a DB pension and I now have the opportunity to buy a year of temporary service which was the first year of my employment, when I was on a...
  13. J

    Basic questions from first time ROS user

    This is great - thanks!
  14. J

    Basic questions from first time ROS user

    Thanks. Jaysus. It's weird paying tax outside of PAYE... you really get to see the money you pay! :-(
  15. J

    Basic questions from first time ROS user

    Do I have to make USC and PRSI contributions too? The money earned is from an EU organisation rather than an Irish one, if that makes any difference...
  16. J

    Basic questions from first time ROS user

    I have earned some money (less than 5k) in 2019 for consultancy work. In 2020, I will earn just above 5k. This is above and beyond my PAYE income. I have logged into ROS to file my tax returns for 2019 and have some basic questions: 1. How do I calculate the % of tax I should pay? 2. Do I...
  17. J

    AIB 'Interest Adjust' payment

    Almost €500
  18. J

    AIB 'Interest Adjust' payment

    On Wednesday I received 2 payments INTO my AIB account with the title 'Interest Adjust'. I'm delighted of course, but have no idea what this is for.... Google provides very little information and my messages on AIB online banking don't refer. Anyone else?
  19. J

    Ulster Ulster Bank redress in this quarter

    This morning by online banking shows a decrease in my outstanding mortgage of about 9% of total amount. A large credit and smaller debit on the account makes up the 9%. I guess I will get a cheque for the debit amount + compensation. I'm stunned. Drew down mortgage in Dec 2004. Notified I...
  20. J

    Ulster bank compensation anyone?

    I was put back on Tracker Dec 2016 - still no cheque
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