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Just to pick up on this again - the move would be a lifestyle decision and is only one option. The other option is to stay put for another few years. If I'm to do this should I be putting more into the pension? Also, as I'm 46 at what point will a bank not give a mortgage if we decide to wait...

Thanks Brendan Yes ideally we would buy - would be looking around the €300k mark which should get a decent house outside Dublin. Current house is a small city cottage so looking for space and garden. Funding it through savings and mortgage. Regarding keeping the PPR as an investment I will...

Age: 46 Spouse’s/Partner's age: 41 Annual gross income from employment or profession: 75k + potential bonus 10-20k - bonus not guaranteed and less so with C-19 Annual gross income of spouse: Not steady but <20k Monthly take-home pay: 5k (combined) Type of employment: e.g. Civil Servant...

Hi all I hope this is within forum rules but looking for a good fee based independent financial advisor in Dublin for a range of advice regarding mortgage / pension / savings & investment etc. Based in Dublin 8 but anywhere around Dublin considered. Thanks, ftc

Yes, I have pension. Also wouldn't want this money locked away for 20-25 years. May need access to funds in this time...

Hi all I have 30-40k to invest medium to long term and would like to put it in a low cost index fund. I have opened an account with Degiro. Considering the current negative situation with US based funds what would be the best options? I was considering VUSD or VUSA. Anything else I should be...

Hi all I have 30-40k to invest medium to long term and would like to put it in a low cost index fund. I have opened an account with Degiro. Considering the current negative situation with US based funds what would be the best options? I was considering VUSD or VUSA. Anything else I should be...

Hi all I am a self employed sales consultant involved with a dispute with a client I am contacted to sell for. The situation arose when they were unable to reclaim VAT paid to me for work done last year. Because of this I was paid no VAT on my invoices this year with the ongoing promise that VAT...

Thanks, proprietary director probably better description :) - I have a dormant executive pension from previous employer so intend to start a new one and transfer retained benefits into it. What is the limit for company contributions in the above scenario? On a related issue if I take a salary...

Hi all I am 42 and the director of my own limited company. Is the maximum pension contribution paid by my company greater than the normal 25% for someone of my age? I won't be making any employee contributions. Thanks ftc

Thanks Steven. Only getting around to this now - will there be penalties for moving?

Thanks again Steven. My old employer is not paying any management fees. What if my situation was to change and I go back into regular employment which could well happen in a year or 2? Where would that leave me with the newly formed EP?

Thanks Steven, think I may do this.. Are there any benefits in starting a brand new Personal Pension and keeping it separate?

Hi all I have an old executive pension from a previous employer with Standard Life which hasn't been paid into for a few years. It's held in cash currently but I am going to invest it (probably ETFs). I am now self employed (director of limited company) and want to start some kind of personal...

Hi all, few questions re: ETFs within a pension I have a Synergy executive pension which I stopped paying into a few years ago. It allows me to trade shares and ETFs through Stocktrade which I want to start doing. I'm probably going to go with ETFs that track the S&P, European stocks and...

Thanks for reply. I've always just kept an eye an what was coming in and paid myself a figure equal to this after calculating PAYE/USC/PRSI. I've got it pretty much bang on each year so far except 2014. It looked fine but there were a few things that I had not included that cropped up at the...

Hello all, I have a small limited company and am the sole employee I received a letter from Revenue stating my Corporation tax (CT1) wasn't filed for 2014 even though I thought my accountant had done it in October and I had paid them for it. Just found out there is a liability which I was not...

Hi all I have a limited company offering consultancy services with turnover <100k. I am the sole employee. Looking for a new accountant to look after company accounts / returns and also to give advice on tax planning / pension etc...My existing arrangement isn't suitable any more. Based in...

No, they are all business expenses..

Hi all I am sole director and employee of a limited company. I incur quite a bit of expenses in the business and am interested to know what level of expenses are generally deemed acceptable by Revenue. Thanks ftc