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Sorry for the follow up dumb question. So basically is the vesting of shares the same as getting a bonus at the time. Assuming some of my monthly wage goes into the top rate of tax, does that mean I have to pay the top rate of tax on all shares and PRSI and USC - So ~48% tax?

I dont believe them to be revenue approved. The shares didnt come through company payroll (they were transferred directly from the share platform) It seems i need to fill out form RTS01 on the basis they were short option shares. I know the total profit, which the sheet calls for but I dont...

Hi Guys, I'm searching for a concrete indication of my tax liabilities for shares I have cashed out recently. I don't believe my scenario to be typical. I was gifted shares in my company in 2014 at a fixed price with no obligation to buy I was given 5 years to decide what to do with the shares...

Hello, I see that the advice from Brendan now is to fix. I've been considering moving from an attractive variable rate to fixed for a while now and want to run my case by you. I'm on an UB viariable that tracks the SVR at -1.2%, making my rate 3.1%. UB have a fixed product that I am eligable...

With my yearly summary I was sent a rate sheet with about 10 other rates and all I had to do was sign and send back. I didn't change but about 2 months after taking out the mortgage I gave them a call, they sent a rate sheet, I signed and job done. It was painless. I view my duty as a mortgage...

Thanks for the comprehensive replies. Part of my issue is I am on a favorable rate even at a variable rate. It will 'track' the SVR as per the conditions of the offer. If I take a fixed rate for 5 years (at the same rate) I am not hugely confident I will be able to get an offer like I have at...

Certainly isn't top of the pile as we can afford some increases. I'm more concerned about the frustration factor of having missed the boat with a good fixed rate offer with my variable increasing. I was airing on the side of staying with what we have but will take the advice into account and...

I have a mortgage with UB and am on their Loyalty Plus - Discounted Variable @3.1% Loyalty PlusDiscounted Variable Up to 80% 3.10% (4.30% SVR* - 1.20%) For the past month or so UB have been offering the same rate on a fixed term of 5 years. Loyalty PlusFixed Rate - Up to 80% LTV 3.10% 4.30%...

Hi, Thanks for the feedback. So the €16/month is just to cover the mortgage in case of death and that covers both of us. Add an additional ~€30/month and the insurance company will pay out 50% of the value of the mortgage immediately (if either of us contract one of 22 specific terminal...

have I asked this question in the wrong section or just not interesting..

Hi, Firstly, thanks to this site as it has been a huge source of information whilst going through the mortgage and house purchase process. I am looking for Mortgage Protection and have had conflicting advice from different advisors. As such I am unsure what product to get. We've contacted a...