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  1. J

    Income Tax Spreadsheet?

    Hi - anyone have a simple income tax spreadsheet template? I know there are some online, but would prefer to do it all in a spreadsheet myself. Thanks! Justin
  2. J

    41% tax on ETFs? And what are the alternatives?

    So just to summarize - there is no way to diversify a portfolio with any kind of fund in Ireland, without being hit by the 41% tax? so we basically have to stock-pick many individual stocks to get diversification?
  3. J

    41% tax on ETFs? And what are the alternatives?

    I just got stung at 41% tax on gains on a few ETFs I bought a while back. First I'd ever heard of this tax so came as a surprise, especially as I thought i was OK with capital losses from previous years... Would love to get some thoughts from people on this form for what are the alternatives to...
  4. J

    Bank of Scotland Tracker mortgages transfered to Pepper Finances

    Just got a letter in the post saying this. Any thoughts anyone? I've never even heard of pepper a week ago. Would love feedback. Cheers, Justin
  5. J

    Increasing Rent

    Just before I get spammed by people saying I am evil even considering this - my current situation is: - I am loosing very significant money on the property. 2k over 2014 - Tenants have been in the property for 5 years & have only had 1 rental decrease in that time. 4 years ago - Rental is a good...
  6. J

    Key Post New group and website to challenge disproportionate NPPR late payment penalties.

    Website updated with detailed steps on what circumstances you can appeal the charge & potentially get a 50% refund are updated to the website: [broken link removed]
  7. J

    Key Post New group and website to challenge disproportionate NPPR late payment penalties.

    Hi - for everyone hit by the NPPR extortion, a group of us have put together a website to collect stories, and share any successful outcomes - potentially leading to an eventual appeal. The website is at [broken link removed], there are links to Facebook & twitter feeds there as well.
  8. J

    NPPR disproportionate interest - paying principal only for now and taking a case?

    I'm Interested Mat - I'm the OP on a previous post below, got stung for 2+k while living overseas. I'm sure it wouldn't be too hard to round up a few more to add to your case. Personally I'm aware of one other couple in the same boat - a bit of googling will uncover hundreds...
  9. J

    Renters paying for water & local charges?

    Should the renter pay? A sample lease (from topfloor.ie) gives that they should pay for both. [broken link removed] When water charges are metered, of course it makes sense for the renter to pay, but for the property charges?
  10. J

    Tax Accountant you can recommend?

    Hi, I'm based in Dublin - had a very bad experience with my previous tax accountant and looking for a new one. Any recommendations? I guess no issues going outside Dublin if they can do everything online? thanks and regards, Justin
  11. J

    Repatriated to Ireland - Tax Credits Apply?

    Hi, I've just moved back to Ireland at the start of November 2013 after working abroad for 3.5 years. Wondering what are the tax implications? Do I get a full tax credits for 2013? So tax liable for Nov/Dec will basically be very low or not apply? Note - I had my house rented for the...
  12. J

    Non Principal Private Residence Tax - Late Payment Extortion

    Hi Dermot - I would very much like to hear more about that if you could find any further information on that case. Thank you for bringing it up. Hi Luthernau - I have brought up the issue with the agent - expressed my concerns on her lack of good service and mentioned she should think about...
  13. J

    Non Principal Private Residence Tax - Late Payment Extortion

    Following up on this - further research suggests that the management agent may indeed be liable for this charge: Check out: [broken link removed] and: Anyone with any opinions on this?
  14. J

    Non Principal Private Residence Tax - Late Payment Extortion

    Thanks Brendan. I assume any challenge in the high court would cost far more than the penalties? So very likely it would never happen?
  15. J

    Non Principal Private Residence Tax - Late Payment Extortion

    There has been legal challenges - a Mr Finbarr Whelan challenged Dublin City Council on the late fees in December 2012 and lost. I was forwarded on a report on the case by my good friend in the local council office as a kind of a "you don't stand a chance - give up now". See attached However...
  16. J

    Non Principal Private Residence Tax - Late Payment Extortion

    Exactly - I should have been contacted by one of three different agents, the council, my estate agent and my tax agent. While I do read the newspapers online fairly regularly - the NPPR just did not stand out to me & the first time I'd even heard of that phrase was a few weeks ago. Secondly -...
  17. J

    Non Principal Private Residence Tax - Late Payment Extortion

    I've just checked up the legislation again on this - in the 2011 amendment, it seems to re-define the person liable to pay the NPPR as being the person who the rent is paid to, which would seem to be the agent? Any thoughts/advice? Its section 18 - at the 2011 legislation - google "local...
  18. J

    Non Principal Private Residence Tax - Late Payment Extortion

    Thanks Brendan - thats an interesting read. What flabbergasts me the more I look into it is the lengths they have to go to to get around the original extortionate late payment penalty. The big long web page they had to put together for this, all the 'apparent' ads they put in the media for...
  19. J

    Non Principal Private Residence Tax - Late Payment Extortion

    I had a tax advisor - doing my taxes for the year. She said as it was council tax it was not her department, so she neglected to tell me about it. I had an estate agent looking after my house - she 'thought' I knew about it already. I had the county council looking for the money. They said...
  20. J

    Non Principal Private Residence Tax - Late Payment Extortion

    So it turns out the government decided an uncapped 120% interest rate on the NPPR charge was suitable - compared to say a capped at 130 euro fee on the household charges - either cause they thought they could get away with it or cause of just general incompetence (“never attribute to malice that...
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