A taste for the good life? New figures show that Irish households spend more in restaurants and cafes than their counterparts across the European Union.  Photograph: Aidan Crawley

Data shows one of the biggest leaps since 2006 for Irish households; but overall burden still less than Denmark and UK

Where free childcare is available in Ireland, such as through the Early Childhood Care and Education scheme, the hours are limited. Photograph: Christopher Furlong/Getty Images

Childcare costs and high taxes contribute to low workforce participation rates for women

You can skip the queues with Ikea’s new online shopping service - but  you mightn’t find the one item you really want. Photograph: Matt Morton/PA Wire

Retailer’s €7.50 country-wide fee for new online shopping will delight, but product choice - while extensive - may disappoint

The move to make the self-employed eligible for State income supports is expected to cost in the region of €23 million in 2018.

Move to provide access to State income supports in cases of serious illness or injury

  Short-term lettings: According to figures from US data analysis site AirDNA, the number of listings on Airbnb  has rocketed from 2,511 in August 2015 to more than 5,500 in October of this year. Photograph: Getty

Services proliferate as fears grow over impact of short-term lettings on the market

Wingly founders Emeric de Waziers, Lars Klein, Bertrand Joab-Cornu: The French company  is hoping to bring the concept of the sharing economy to aviation and is looking for Irish passengers and pilots

French start-up looking for passengers willing to cover costs and light aircraft pilots wishing to pursue their hobby

Financial advisers will still only pay 50% of costs of funding the regulator in 2017

he European Commission’s refusal to establish target timeframes for its antitrust investigations is a clear example of “double standards”, Brian Hayes MEP said on Tuesday, given its strict stance on a timeframe for the Apple state aid recovery. Photograph: CJ GUNTHER/EPA

European Commission ‘refuses’ to accept timeframes for its own investigations Brian Hayes says

Deputy governor of the Central Bank Ed Sibley said he expects all the main banks will be subject to Central Bank enforcement investigations.  Photograph: Niall Carson/PA Wire

Deputy governor says all main banks will be subject to Central Bank enforcement investigations

What might surprise perhaps, is that concentration risk may not just be limited to smaller markets like the Iseq. As Lawrence notes, tech stocks now account for about 25 per cent of the S&P though he says this shouldn’t be of undue concern to people with 2000 still fresh in their minds. Photograph: Kazuhiro Nogi/AFP/Getty Images

Due to heavy role of the banks on the Iseq, and 2007 crash, Ireland isn’t one of them...

Dublin’s biggest earner on Airbnb is a six-bed apartment in the south city centre that generates €163,495 a year. Its average daily rate is €651. Photograph: John MacDougall/AFP/Getty

Top property brings in €163,000 a year; 10 hosts earn over €100,000

Kingspan chief executive Gene Murtagh. The insulation group said on Monday that the outlook for its markets is ‘relatively stable’.  Photograph: Cyril Byrne / THE IRISH TIMES

Insulation specialist says markets ‘relatively stable’ but ‘near-term indecision’ in UK

Unlike in the run-up to the boom, these days construction tends to be weighted more towards the commercial side, with residential development considerably lagging behind. Photograph: iStock

While construction of commercial property roars ahead, building of houses and apartments lags way behind and there is little prosp(...)

Revenue: a class-action  approach would be “an important efficiency measure” which would allow the Tax Appeal Commission to “effectively dispense with individual hearings”.  Photograph: Joe St Leger

Accountants say dealing with Revenue is becoming ‘increasingly fractious’

Goal follows €60m investment in sustainable water treatment technology

Scotland’s Clayton Hotel, which is expected to open at the end of 2020, will be a four-star property located in the centre of Glasgow. Photograph: Cyril Byrne

Irish hotel group plans to add 8,000 new rooms in UK hotel market by 2024

‘A recent report concluded that it is clearly ‘not feasible’ for someone with average full-time gross earnings to fund a deposit ‘without significant assistance from family or friends’.’

Average wages, deposits, and mortgage lending rules ... is the Help to Buy scheme helping?

With pent-up supply, the scheme got off to a strong start, and as of the end of October there have been more than 11,000 applications from first-time buyers, some 4,500 of which have been claimed successfully. Photograph:  Brian Lawless/PA Wire

Numbers owning their own home in Dublin and across the country plunge to record lows

KBC Bank Ireland chief economist Austin Hughes: said the latest figures for consumer sentiment continued the pattern of “one and a half steps forward, one step back”.

Limited income growth a key inhibitor to consumer buoyancy, ESRI analyst says

(More expensive energy and intermediate goods pushed up euro zone prices at factory gates more than expected in September, data from the European Union’s statistics office showed on Monday. (Photograph: ANDY BUCHANAN/AFP/Getty Images)

Producer prices herald changes to consumer inflation, because their increase is usually passed on to the consumer

A new study found that Ireland is relatively more exposed to US interest rate tightening. Photograph: Joshua Roberts/Reuters

Irish economy is most exposed to US interest rate tightening and sterling exchange rate depreciations Central Bank study finds

Banks here  have the fourth-highest margins when it comes to the 27-countries in the EU. The wider the margin, the greater the profitability of the bank.

Irish banks have the largest lending margins in the euro zone, ECB figures show

Revenues at bookmaker Paddy Power Betfair rose by 9 per cent to £440million in the group’s third quarter, driven by 11 per cent growth in sports revenue. Photograph: Paddy Power Betfair/PA Wire

Revenues rose 9% in third quarter despite lack of major football tournament

Gordon Brown: “Little has changed since the promise in 2009 that we bring finance to heel. The banks that were deemed ‘too big to fail’ are now even bigger than they were,” he writes. Photograph: Jonathan Brady/PA Wire

Former British PM queries why UK didn’t do as Ireland did and prosecute rogue bankers

One Molesworth Street under construction. Goshawk will let the fourth floor plus five car spaces, on a 20-year lease, with a tenant break option at the end of year 13. Photograph: Cyril Byrne

Aircraft lessor has reached agreement with Green Reit to take fourth floor of new building

It has been estimated that it would cost about €250,000 to replicate the value of the full State pension in the private sector. Photograph: PM Images/Iconica/Getty

I’ve worked abroad, part-time or am a stay-at-home parent – can I get a State pension?

Biopharma firm Regeneron recently said it would create a further 300 jobs in Limerick as part of a $100 million expansion, bringing total headcount at the Limerick facility to 800 people

Expansion of Northern Trust and Regeneron is turning city into employment hotspot

Consumers didn’t get that warm and fuzzy feeling from Minister for Finance Paschal Donohoe’s debut budget. Photograph: Cyril

Consumer and business sentiment are improving – but most strongly in Dublin

Avolon expects the world jet airliner fleet to double to 51,800 aircraft by 2036.

Growth to be driven by airlines investing in youngest and most fuel-efficient aircraft

It’s expected that the increase to 6 per cent in commercial property stamp duty will result in an additional €376 million in revenue for the exchequer. Photograph: Cyril Byrne

Measures outlined for availing of lower rate on property deals agreed before October 11th

S&P predicted that losses to the Irish insurance market as a result of Storm Ophelia will be “relatively significant” for 2017. Photograph: Daragh McSweeney/Provision

Structural changes mean losses for Irish insurance market despite low economic risk

AIB has been reviewing records under Central Bank supervision since the end of 2015. Photograph: Cyril Byrne

Bank admits error that led to repossession nearly three years ago in tracker mortgage review

Permanent TSB chief executive Jeremy Masding and chairman Robert Elliott leaving the Department of Finance earlier this week. Photograph: Cyril Byrne

Solicitor behind tracker settlement urges all borrowers to check mortgage for mistakes

The weakness of sterling has led to higher used-car imports from the UK. Photograph: Barry Batchelor/PA Wire

Car sales plummet 18% as a weak pound prompts higher used-car imports from UK

On November 1st, SSE Airtricity and Bord Gáis Energy will increase their electricty prices, followed by Electric Ireland on February 1st, 2018

Move will cost consumers about €31 a year and follows €25 jump in public service levy

StepChange, located in  of Leeds, offers advice to borrowers struggling with multiple secured and unsecured debts.

StepChange Debt Charity Ireland, which started operating in 2015, not yet registered as a charity here

Expedia even gives a countdown to when the rate will expire.

UK’s competition watchdog to probe booking sites to see if they’re misleading consumers

Permanent TSB chief executive Jeremy Masding. The bank has settled what is believed to be the first tracker mortgage redress case to come before the courts. Photograph: Colm Mahady/Fennells

Lender pays multiple of initial redress offer to mortgage customer in settlement

The European Union Markets in Financial Instruments Directive II comes into effect on January 3rd. Photograph: Jock Fistick/Bloomberg

Independent advisers to become unable to take commission on sale of certain products

Fintragh, 11 Shrewsbury Road, Dublin 4, sold for €8.45m in April, less than the €9.7m asking price

Myhome.ie survey of first six months shows transactions up 11%, 300 houses sold for more than €1m and D15 is the busiest postcode

A substantial number of people may be unaware that their mortgage has been impacted, and they are therefore due compensation and redress. But could this be you?

Here’s a step by step guide to figuring out if you could be due compensation or not

Charleville Credit Union

Central Bank says €40m in refunds covering 98% of deposits have been issued

Financial experts recommend that a person keeps their housing costs to 30%  of their net income

Rent-to-income ratio at new high in Dublin, with Limerick the cheapest urban area

Trees which stood for over 100 years at  the Marina in Cork city following Storm Ophelia. Photograph: Daragh Mc Sweeney/Provision

Insurer says largest number of claims so far coming from Cork and Tipperary

Most of the investments in Draper Esprit’s portfolio increased during the period, with the fair value of Trustpilot advancing by 30 per cent, and ecommerce site Lyst by 50 per cent.

Venture capital firm says it is ‘on target’ to hit expectations across all metrics for full year

Boosting your finances: “It’s really just about taking back control of many of your everyday household expenses, by either switching – or threatening to switch – a host of service providers.” File photograph: Getty Images

I’ve been a bit slow to engage in a bit of ruthless switching. But that was then

The scale of the tracker mortgage scandal may yet rise to represent about 10 per cent of all tracker mortgage accounts

Figures show 20,000 property owners have been affected, but total is expected to rise further

As the group’s largest shareholders, chief executive Anne Heraty and her husband, director Paul Carroll, are likely to be the biggest beneficiaries of the transaction.

Chief executive Anne Heraty and her husband, director Paul Carroll, are likely to net €9m

CRH’s acquisition of US group Ash Grove is expected to close late this year or early next year.

Irish construction giant’s move follows approval from shareholders in US firm

Tracker mortgage scandal: the Central Bank has said it continues to encounter great difficulty getting full disclosure from some banks. Photograph: Yves Herman/Reuters

Ireland’s 15 mortgage lenders have had to respond to the Central Bank. Some have been more upfront than others

Niall Kiernan of Lawlor Partners says he has “dozens” of aggrieved customers  who are not satisfied with the level of redress and compensation on offer to them as a result of the ongoing tracker mortgage investigation. File photograph: Getty Images

Niall Kiernan says has ‘dozens’ of aggrieved customers unsatisfied with mortgage redress

Yesterday the Central Bank disclosed that just 25 per cent of customers impacted by the tracker mortgage scandal have received redress and compensation.

Banks still have to identify thousands of impacted accounts which will push the cost of resolving issue higher

The Central Bank of Ireland’s headquarters in Dublin’s docklands. The regulator has been investigating issues around tracker mortgages for the past two years. Photograph: Alan Betson/The Irish Times

Central Bank data shows 23% increase in those impacted to 13,000 with number set to rise

The self-assessed tax deadline is inching ever closer, which means that if you haven’t already taken this matter in hand, it’s time to do so. File photograph: Getty Images

Form 11 & 12 paper returns due on October 31st, but a bit later if you file online

Financial literacy is quite low, and pension planning is a ‘scary thought’ for many people

Government’s auto-enrolment pledge for all private pensions is to be welcomed

The earlier you start the pension, the easier – and cheaper – it should be to build up a sufficient nest-egg come retirement

Fiona Reddan looks at the impact of fees, performance, contributions, duration and tax relief

A Pembrokeshire bronze turkey for 8-10 people costs between €65.25-€79.75 for Irish customers; but the equivalent cost for UK customers is just €50.32-€61.51.

Retailer’s customers in Republic will pay more on Christmas turkeys, mince pies and trifles

 Minister for Finance Paschal Donohoe increased the threshold at which people start paying the higher rate of income tax

‘Squeezed middle’ and low-income earners among main beneficiaries of income tax changes

From millennials to baby boomers almost all generations benefit but savings are muted

The home carer’s credit is of assistance to over 80,000 families where one spouse works primarily in the home to care for children or other dependants

Increase in home carer’s credit means one-income families will pay €100 less tax a year

“Whilst it is welcome that the earned-income credit has been increased to €1,150 it is still behind the PAYE credit of €1,650, which represents an annual net benefit of €500 to the employed individual.”  Photograph: Getty Images

Earned-income credit rises to €1,150 but no relief on USC surcharge for those earning more than €100,000

Cost may have been an issue in not opting to increase the inheritance tax thresholds, as every 10 per cent increase in the threshold would have cost about € 22 million. Photograph: iStock

Government signals no increase in tax-free threshold for parent-child transfers

Time to get serious: if you’re in your 40s, you won’t be getting your State pension until you’re 68 – that’s three years later than your parents

Okay, it’s time to get serious. This decade is about setting you up for the latter half of your life

The comments come as speculation mounts that tax cuts may not be as great in tomorrow’s inaugural budget from Minister for Finance Paschal Donohoe as initially envisaged, given the expense in widening the standard rate band and the moderate scale of how much the goverment has available to spend.

MEP opposes returning to mantra of ‘when you have it, spend it’ and urges government to stick to EU fiscal rules

The cuts to EBS’s fixed rates will apply from October 10th, but not everyone will benefit straight away as existing fixed rate customers will have to wait until the end of their term to switch, or risk incurring a penalty.

AIB subsidiary cuts fixed rates by up to 55 basis points but standard variable rate unchanged

Nearly three-quarters of Irish business leaders responding to a survey want Minister for Finance Paschal Donohoe to widen the 20 per cent income tax band, while over half support the merging USC and PRSI.

Irish business leaders also less concerned about impact of proposed US tax reforms

As our population continues to age, the cost of delivering the state pension has also risen, and we now allocate about 10 per cent of total government spending to this payment.

Servicing the national debt still accounts for 16% of spending - more than the spend on education, housing or justice

The new town centre will be located alongside Tully Park, which is currently under construction, and will be equivalent in size to St Stephen’s Green

Debt facility will enable Hines to fund development of new south Dublin town centre

Haven said that thanks to rate cuts over the last three years, a borrower with a mortgage of €200,000 will have saved about €1,500 a year.

Lender drops rates to as low as 2.75% as competition in mortgage market heats up

Thornhill House in Mount Merrion, in south Dublin: plans for 47 dwellings (mainly apartments) received 125 submissions from local residents.

Dún Laoghaire-Rathdown cases show objections do not equate to refusals

Buy your pension in Germany? Well you might be able to by 2019 under a new European proposal.

It’s been a long time in coming but the PEPP will offer portability and better choice to Irish pension savers

According to a European Buy-To-Let league table from payments company WorldFirst, the average yield on an Irish property stood at 7.08 per cent in August 2017, up from 6.54 per cent in 2016, and far ahead of the rest of the EU-28.

Ireland tops buy-to-let league table, at 7.08%, making it attractive to investors

During the first nine months of the year, figures from CBRE show that some 16 pubs changed hands, with an average sale price of € 1.18 million, and a total value of more than €17.8 million.

Sale of 16 pubs including JJ Smyth’s on Aungier Street top €17m

Budget 2018 has thusfar been a quiet affair, with Minister for Finance Paschal Donohoe appearing to be largely successful in keeping his thoughts under wraps.

With a week to go some Budget measures now look very likely

The generation game. Illustration: iStock

Which age group has won the most in the budgets since 2008?

It’s not fair! Bank of Ireland offers its best deposit rate to the under-12s. Photograph: iStock

Young Saver Account will pay interest on balances up to €5,000 at a bonus rate of 2.5%

A new report from the Central Bank shows how much younger borrowers  have benefited from tracker mortgages.

Central Bank report sounds warning on interest rates to boom-time property buyers

Everyone  should have a will, which allows  issues to be discussed, and stops assets going to the wrong people

At Investec, they’re noting a growing interest in Section 72 life policies, which covers the cost of settling an inheritance tax b(...)

Mihir Desai, a professor at Harvard Business and Harvard Law School, and author of ‘The Wisdom of Finance’

The route to instilling more of an ethical compass in finance is by putting it through a prism of art and literature, argues new b(...)

A foodstore in Glin, Co. Limerick, which is going to auction at a reduced reserve of €75,000, down from €90,000 previously.

Billed as Europe’s biggest online property auction, over 300 properties will go under the hammer tomorrow

Irish house prices are now rising at the third fastest pace in the world, according to a new global survey, which puts price growth in Ireland behind only Iceland and Hong Kong

Global housing boom looks to be losing momentum but Ireland is still one of the best performing

Ireland is not a high tax country. The Republic collects one of the lowest amounts of tax as a proportion of GDP in the OECD.

Relatively little of burden placed on lower-income earners but ‘squeezed middle’ feel pinch

In 2016, the biggest cohort of first-time buyers in Ireland were in the 31-35 years age group

Number of under-30s buying home in Ireland has plummeted but has risen in UK

How much income tax do landlords pay? The Revenue Commissioners is set to find out

Tax authority stepping up interest in residential landlords as housing crisis deepens

Revenues from Aryzta’s North American operations were down  5.7 per cent to €1.8 billion

Cuisine de France manufacturer hit by rising costs and falling revenues in North America

The burden of filling the exchequer’s coffers falls on those on middle and higher incomes. Photograph: iStock

Budget promises unlikely to lighten load on ‘squeezed middle’ in any significant way

What will Minister for Finance Paschal Donohoe  do for middle income earners? Figures show that any reduction in the tax burden will cost - and may only offer limited relief.

Irish Tax Institute figures show €1,000 increase in 20% band would see the average earner save less than €200 a year

Taoiseach Leo Varadkar says middle income earners need a tax cut; but in a comparison of tax revenues Neri found that on a per person basis, combined taxes and social contributions in Ireland are significantly lower than in comparator high-income EU countries.

Case for cutting taxes ‘extremely weak’ given need for housing and infrastructure, economic institute says

“What’s actually happened is that people have had to stay out of the home ownership market due to difficulties in getting a mortgage, meaning pressure on the rental market has intensified.” File photograph: Getty Images

Central Bank chief Philip Lane says cash buyers limit ability to control house prices

An analysis by Savills shows house prices may return to peak April 2007 prices in Dublin by February 2020.

Price rises outside Dublin to lag capital by a year, new study by Savills predicts

Irish Life Health says it will be the first health insurer to cover all Affidea Express Care diagnostic centres and offer reduced rate for consultations, at €100, a 33 per cent discount on the standard consultation fee.

Affidea readies two new express care clinics with more to follow

Despite the dearth of supply in new homes, the pipeline of new apartments  appears sluggish at best, according to new planning permission figures.

Planning permission for apartments up just 2.7 per cent year on year in second quarter

Dalata will now own and operate 257 bedrooms in the 352-room Clarion Liffey Valley hotel in Dublin.

Irish hotel group takes another step towards full ownership of Dublin hotel

The Sporting Emporium, Dermot Desmond’s Dublin-based casino, is still in the red, largely due to start-up costs incurred some 12 years ago.

Latest figures for The Sporting Emporium show accumulated losses of €3.5m

About one in 10 family homeowners are behind with repayments on their mortgage, new figures from the Central Bank show,with financing on almost one in five investment properties in arrears.

Central Bank figures also show that almost one in five buy-to-let mortgages are still in arrears

Lidl’s new pop-up on Grafton Street.

German discount grocer brings new meaning to ‘fast fashion’ with pop-up store to showcase Heidi Klum fashion range

With some older people no longer eligible for a full medical card, the number of GP visit cards, which are automatically granted to the over-70s, has  soared since their introduction in 2005, with 480,787 citizens now holding one

Free GP, lower tax rates, cheaper childcare, free school bus- medical cards bring more benefits than you might expect

 Chief executive of Providence Tony O’Reilly: he   said the results were “disappointing”. Photograph: Brenda Fitzsimons

Irish oil and gas explorer currently plugging and abandoning the well prospect

 Grand Canal Dock in Dublin. The city was also chosen, alongside Shanghai, Singapore and Frankfurt, as one of the 15 centres “likely to become more significant”. Photograph: Eric Luke

Irish capital up three spots to 30, but still behind Luxembourg and Frankfurt

The broad message of the data is that Irish consumers remain positive. Photograph: Dominic Lipinski/PA

Back-to-school costs and scepticism about economic recovery dampen spending

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