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    Rent to include Service charges?

    I used to pay bin charges for years but it didn't protect me from heaps of rubbish bags once tenants left. I have stopped paying for the bins now because Dublin City council outsourced rubbish collection to some private company which introduced pre-payment cards or something, that's not...
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    LPT: Revenue Property Valuation Guide (The Heatmap) now live

    Three weeks IS very narrow! With the time it takes in the post, it can get even more narrow, especially for those who are abroad. And that's assuming the Revenue get everything right, which I don't have a huge confidence in, after I paid the Household charge on time but was then sent several...
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    Financial makeover Help Needed

    How about giving yourself and your wife weekly spending money in cash, a set amount, and sticking with it? No credit cards, no debit cards, just live on, say, 250 euros per week in cash between the two of you, in addition to all the dd bills you listed. And also start an emergencies/big expenses...
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    LPT: Revenue Property Valuation Guide (The Heatmap) now live

    Bronte, the NPPR and household charge had 3 months to pay, and didn't need to wait for a letter from the Revenue, a letter that can be delayed, posted to the wrong address etc. This is just my point, why is the window to register so narrow? And a large number of people didn't pay the NPPR on...
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    LPT: Revenue Property Valuation Guide (The Heatmap) now live

    Does anybody else think the timing is stupid? I have looked through this thread and the discussion seems to be almost entirely about the valuation. But it seems to me the timing is just outrageously stupid - it is certain to leave a lot of people unable to file by the deadline. The Revenue is...
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    Salary of 35k Gross has been approved for a 280k mortgage

    Is your son a doctor? A doctor on a modest salary at the start of his career was able to get a huge mortgage with little or no deposit in the crazy boom years, because banks expected doctors' salaries to go up a lot. Even then, 8 times gross salary was a push, but now it seems incredible. Why...
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    Anyone else get a letter

    "Many other reasons" basically amounts to the same, that is, incompetence. "Genuine error" excuse is laughable - what about those who don't pay through "genuine error", will their fines and interest be forgiven? Don't think so. Of course, it's only Joe the Public who gets hit with huge...
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    Anyone else get a letter

    Dermot, kudos to you for being prepared to take a stand, even all the way to court. I'll admit I don't want to take it that far, especially considering that I live outside of Ireland and having to deal with a court in Ireland would be a real pain. I have decided to ignore the first letter and...
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    Too much held in euro savings

    Gold can be considered as another currency to diversify into, and actually easier than opening many foreign bank accounts. As to it being expensive, judging by how little awareness of gold there is, it's very far from the top, but that's my opinion, of course. I have lived through several...
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    Anyone else get a letter

    I didn't need a letter either, as I PAID, but got the letter anyway. As far as I am concerned, this is a waste of my money - part of what I paid goes on letters to intimidate me and other compliant taxpayers, along with non-compliant ones. Why bother to cross reference those on NPPR database...
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    Taxation on cash to UK resident

    You can try to reduce your sister's liability, if possible, by availing of 3000 euro per person per year exemption on gifts. What I mean is the first 3000 euro per year you gift to her is exempt from calculating her CAT liability, but if, for instance, she is married, you can also give her...
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    Anyone else get a letter

    You will probably just get a similar reminder every year nothing more, but at some stage admittedly maybe many years’ time your house will be sold or ownership transferred, the government will not only then get payment but they will also get Late Payment Fees and Late Payment Interest which at...
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    Anyone else get a letter

    I have got the same letter by the looks of it, also mentioning 114 euro to pay now. I actually started a thread about it yesterday, if you took the time to have a look, my thread is just below this thread :) The difference in my case is that I have already PAID this charge, but they sent me a...
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    Too much held in euro savings

    Sunnygirl, seriously consider putting some of your savings in gold (and maybe some in silver), gold and silver never go down to zero unlike paper currencies. It would also be prudent to keep some gold offshore, outside Ireland, in a safe location, like Switzerland, Singapore, Hong Kong, Channel...
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    Paying by direct debit, Dublin Council now sent me notice

    No, I am not with Ulster Bank, and anyway, Ulster Bank's problems started after the 2nd instalment was paid around middle of May. The 3rd instalment is just coming up. The notice I received doesn't say anything about me not keeping up with direct debit, it is suggesting that I didn't pay...
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    Paying by direct debit, Dublin Council now sent me notice

    I registered to pay Household charge on time and chose the option to pay by direct debit. Two direct debits taken, no problem (the third to go soon), was sent a receipt for the first payment. My details are correct on their online system, payments up to date. However, I have just got a notice...
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    Living off savings - any advice ?

    Consider diversifying your savings and investments and putting some money into gold. Otherwise any serious bout of inflation may wipe them out. Also I think it's important for you to educate yourself financially, I don't mean a formal training, but being able to take care of your money. We live...
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    What is the validity of a tenancy contract after the first year?

    I think the tenant of a non-resident landlord could be chased for tax (that he didn't withhold from the rent paid) by the Revenue only if: the landlord is in fact liable for tax - may not be the case here if OP is registered with PRTB and their mortgage interest x75% is greater than the...
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    NPPR... late fees

    You figures look about right to me. Pay ASAP at least the charges of €200 per year per NPPR (that is, €600 in total), to stop incurring the fines, if you don't have the money to pay the total sum. This will stop the ball rolling, and you can then pay the fines later.
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    custom mortgage rates

    Could you take out a second mortgage on your house, with a different provider, or is this not done in Ireland? If you have plenty of disposable income, could you save at least part of the purchase price of the land, and get a personal/credit union loan for the remainder? It just seems to me...
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