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My company has used both prepaid CleverCards and One4All gift cards to reward employees with small amounts for various reasons. I've no involvement with the finance side of things but I believe it uses that Small Benefit Exemption as there was no benefit in kind for the employees.

When calculating the gain for RTSO for foreign shares options how should the FX rate be taken into account? Specifically I've an ESPP scheme where the amount saved in euros appears to be FX'd at salary time and saved in dollars until the options are exercised at the end of the ESPP scheme. The...

I'm curious about this - in a case like this where the estate went through probate and has been divided up (i.e. gone, there's no assets left right?) who would Revenue expect to pay any back taxes and on what basis? The beneficiaries/relatives/executors?

Can anyone tell me where the entry for electricity/oil/etc go in the online form 11 go? I've gone through the form and haven't seen it.

I imagine you'll probably hit daily transaction limits with a Irish debit card which might make things awkward. Think the limit is €2500 on my card. Revolut doesn't seem to have a spending limit. Note you get a worse rate on weekends from Revolut. Maybe a Wise account and card would also work...

He knew, if you are a second time buyer, the odds were very high that you could go to at least 437.5k if you/wife wanted it enough (87.5k would be 20% deposit unless you got an exemption). No guarantees this made any difference (or that you're a second time buyer) but maybe it made the...

The person I was dealing with in the bank provided me a letter saying I had the funds for my bid. They were aware of my mortgage approval plus the savings I had, something I don't think a solicitor would necessarily know. In my case it was only required after I was the winning bid though this...

Has anyone using Degiro not got their 2021 annual statements showing up in their accounts? The ones called "Annual Report 2021" and "Annual Tax Report Addition 2021". I have mine but my partner does not. Sent email to Degiro but not got a response (yet?).

We are currently with UB and will need to upgrade the house at some stage over the next couple of years. Given that UB mortgages are moving to PTSB we're considering switching to Avant. Without the future topup I'm not sure it makes sense even if Avant are doing €1500 to switch at the moment...

For the mechanics of how to make the payment you should ask the pension administrators (AON). For my pension it is pay the money into a bank account with a specific narrative on the transaction so they can trace it, send an email saying it is an AVC against the relevant tax year and provide...

I have some shares with Computershare and Fidelity (the US based entities, not Irish/UK based ones) from company share schemes. I want to move these to a single account to simplify things and am currently trying to figure out how to do it. I'm wondering has anyone done this? I have an IBKR...

I tried transferring into Degiro and after months of waiting was finally told they had decided wouldn't accept transfer from my US Computershare account. This was 13/Jan/21, possibly things have changed. Email was: "Unforiutantely it has been decided to suspend all US portfolio transfers. We...

I assumed when a stock splits no CGT is due. However I've seen a Degiro account where a the stock split was shown as a sale of one share and a purchase of five shares. The matching annual statement treats the share sale as a taxable gain - is this a mistake by Degiro or was my understanding wrong?

So I have the shares in the same company held with two different brokers. I am selling the shares in broker B and they were acquired later than the ones held with broker A. Am I supposed allocate the purchase cost of the shares with broker A to the shares I'm selling from broker B, due to FIFO...

In a scenario where a person has PAYE income with a company pension. AVCs are paid to the maximum allowed age related limit. There is also some non-PAYE income, earned if it makes a difference. Can the person make AVC payments into the company pension scheme and claim tax back against the...

I believe the overall idea would work but it is not as quick as pay one day and refix the following day. Once you make the payment you have to wait for it to be processed and to come of the mortgage while it is a variable rate. That takes about 5-10 working days in my experience, based on when I...

This is what I thought too but it appears not to be the case from talking to them multiple times. My understanding is the 10% is based on the outstanding amount at the start of the calendar year, even if you fix later in the year. Also the 10% limit applies across two fixed terms. So if you...

Seems to be fairly normal based on my experience. And not just for banks, also had it with utility providers. I call them back on their public on their public number.

A rented room in the owners house has a lot less rights/protections - they are not covered by the Residential Tenancies Board and notice is whatever is a agreed between the parties. Basically the renter is a paying guest. Can't post link but see Citizen's information website - "Renting a room"

Reading the key findings from that report I'd get the successes the health system achieves are in spite of itself. The good: "life expectancy in Ireland has increased more rapidly than in nearly all EU countries since 2000 ... more than one year above EU average" "generally effective in...