Someone 10 years into a 30-year €300,000 mortgage would save €108 a month by changing from a mortgage with a 3.8 per cent interest rate  to one charging 3.1 per cent. Photograph: Getty

Need an extra €100 a month? You could take advantage of loan-to-value shifts

To PCP or not to PCP: You need to ask yourself some hard questions, or you could find yourself in a tricky situation three years down the road. Photograph: Barry Batchelor/PA Wire

If a personal contract plan goes awry you could end up owing more than the car is worth

All the incentives to buy a property are typically directed at a younger generation

Those born between 1965-1984 were hit by negative equity, austerity

AIB headquarters in Ballsbridge, Dublin. Photograph: Bryan O’Brien

Cantor Fitzgerald places €5.05 12-month price target on bank’s shares

Forest Avenue on Sussex Terrace in Dublin: three-course lunch for €32. Photograph: Cyril Byrne

Fine dining at home and abroad that will not break the bank

Those aged 18-34 are  more upbeat than their older counterparts, according to the survey. Photograph: Istock

New survey finds that a third of people aged 35-54 are struggling financially

Claudia Marshall will be responsible for growing the Ikea brand in Ireland.

Claudia Marshall will oversee furniture giant’s stores in Ballymun and Carrickmines

Figures from REA agents show that the average three-bed semi-detached in Dublin city now costs € 414,500, a rise of € 10,000 (2.6%) over the last three months and an increase of 14.1 per cent over the past year.

Agents in Tallaght, Clonskeagh and Dun Laoghaire say three-bed semi-detached houses are selling within weeks

Starling’s current account can be opened in minutes and has “zero” monthly account fees.

UK start-up Starling Bank founded by Anne Boden gets approval to trade in Ireland

Francesca McDonagh’s appointment as group chief executive of Bank of Ireland, while not quite levelling the playing field, will go at least some of the way towards addressing the imbalance. Indeed Ms McDonagh has previously hit out at the lack of women in top jobs in the fi nancial services world, telling a UK newspaper in 2016 that it can be “quite isolating” to be the only woman in the room.

Irish based companies may be better than international peers when it comes to diversity- women lead just 5.8% of S&P 500 companies(...)

TOP 1000 companies reported gross sales of a staggering € 489bn in their most recent financial years – far in excess of the income Ireland as a country is generating.

Stellar growth rates and outsize profits characterise the top performers in this year’s Top 1000 survey, which also details the fa(...)

Medtech company Medtronic topped table with profits of €4.1bn

‘Irish Times’ annual survey reveals that these elite companies generate profits of €34bn

 “It’s not about the money. It’s about being in business and having your own business, having an opportunity to create a business and to change the way things are. It’s an addiction in one sense, or attraction, and it’s what gets you up in the morning,” says  Colm Lyon. (Photograph: Brendan Lyon/ImageBureau)

Top1000: They successfully sold their business but it hasn’t stopped these three serial entrepreneurs from starting another

Graeme Buchanan, managing director of Stobart Air,  with Warwick Brady, deputy chief executive. The airline is to operate a new route on the Flybe brand from Dublin to London Southend. Photograph: Maxwells Dublin

Fares will start at €29.99 one way; route is part Stobart Air’s three-year growth strategy

Ormonde Mining  chairman Mike Donoghue. The mineral resource company’s revenue rose by 90 per cent to €1 million in the year to December 31st, 2016. Photograph: David Sleator

Irish resource company’s Spanish tungsten project progressing ‘at full speed’

An oil-drilling block managed by Tullow Oil at Lokichar basin in Kenya. Photograph: Tony Karumba/AFP/Getty Images

Chief financial officer replaced on full-time basis by Les Wood

Like everything from rents, to property prices to the availability of tenants, yields, too, can differ right across the country. So, based on current rental yields, which are the best places to invest around the country – and the worst?  File photograph: iStockPhoto

Ranelagh - it’s the most expensive place to buy a house in Ireland, but it’s also the worst for investment yields. So where is the(...)

Construction workers lay bricks on the Cairn Homes  Marianella residential construction site in Dublin. Speculation is mounting that the new Housing Minister is set to scrap the Help to Buy scheme, which offers an incentive to help first time buyers get on the property ladder. (Photograph: Chris Ratcliffe/Bloomberg)

Market commentators warn that scrapping scheme won’t stall property price growth

“Where do we live if we go home? We fall into the rental trap, which is very hard to get out of”

Buying a property in Ireland from abroad can be complex and costly. Here’s how to get a mortgage

The Central Bank is struggling to attract enough external applicants to fill up to 200 roles. Photograph: Alan Betson / The Irish Times

Regulator had signalled intention to staff up to deal with Brexit but can’t fill 200 roles

In recent weeks Ulster Bank, KBC Bank and Permanent TSB have all adjusted their pricing as activity in the housing market increases

Bank cuts rates to as low as 3% as competition in mortgage market heats up

Revolut  has already signed up  30,000 Irish consumers with its app-based mobile banking account

App-based current account promises cheaper transaction costs from €28 a month

More than 1,100 first-time buyers bought last year and successfully applied for the scheme retrospectively; however of these claims, about 241, or 13 per cent, are still “pending”. (Photograph: Brian Lawless/PA Wire)

It’s an urban phenomenon; it’s pushed up house prices; it takes some time for a claim to be paid out - here’s what we’ve learned s(...)

Thanks to the common market and the free trade area, when we purchase books on or jeans from the only additional costs we face are those related to getting the goods delivered. Photograph: Getty Images

Fans of and should watch out - thanks to duties and VAT, prices will rocket once UK becomes a ‘third country(...)

Mr Noonan acknowledged that there was pressure on the Government to provide finance for infrastructure spending but said there should be no reason to raid the rainy day fund, which was announced in last year’s budget and is due to be established in 2019.

Northern Trust to create 400 new jobs at Limerick base over next five years

Bank of Ireland says it will invest €10m  in its branch network this year. Photograph: Getty Images

Customers will have to rely on self-service machines for cash transactions

With revenues of £382.8 million (€434m)in 2016, Pinsent Masons is one of the 100 largest firms in the world by turnover, employing nearly 3,000 people worldwide including over 1,500 lawyers. The law firm also has an office in Belfast, following its merger in 2012 with local law firm McGrigors, and the move will bring the number of Pinsent Masons lawyers across the island of Ireland to 12 partners and over fifty lawyers.

Pinsent Masons pinches lawyers from Matheson, Walkers and Byrne Wallace

According to the report, half of EU states, including Ireland, have pension gaps of 30 per cent or more. Photograph: iStockphoto

Irish women are retiring on incomes 30 per cent lower than men, says Mercer report

Revenue is looking to shift users on to its myAccount platform, which can be accessed on all mobile devices.

PAYE Anytime service will no longer be available as Revenue launches new website

Tom Walsh: Airbnb probably led to a “tapering-off in the growth rate, but it didn’t cause a contraction in the business”

Irish aparthotel group to focus on Dublin, the UK and Germany for growth

Figures for the first quarter of the year show the fastest rise in house prices since 2007. File photograph: Frank Miller

Forget the conjecture and take a look at the data - it suggests that while there might be some areas of concern, rising prices do (...)

30/05/2017 - NEWS - Michelle O’Neill, MLA, Leader of Sinn Fein in Northern Ireland speaking at The Irish Times Economic Summit 2017 in association with Deloitte, ‘Opportunity from Uncertainty’ at The Shelbourne Hotel, Dublin.Photograph: Dara Mac Dónaill / The Irish Times

Conference hears that while there will be less flexibility when it comes to setting tax policy, there will still be ‘significant o(...)

Combilift forklifts. Photograph: David Sleator

Martin McVicar of Combilift tells ‘Irish Times’ economic summit of Trump uplift in US

Central Park office park in Leopardstown. Photograph: Alan Betson

Bank will move about 500 support staff to new building in south Dublin

Brendan Mooney, chief executive of Kainos. Photograph: Colm Lenaghan/Pacemaker

Belfast-based provider of digital services withstands storm of NHS funding cuts

There is a possibility of  quickly building up a credit card debt so consider what your needs are  before you get swayed by reward cards

Earning a cashback every time you use your card is welcome - but don’t expect outsize rewards

Michael Noonan is expected to push the button on the AIB sale as early as this week. Photograph: Paul McErlane/Reuters

Labour leader wants proceeds to be invested in infrastructure and capital projects

 Irish households remain the fourth indebted across the Europe, behind Denmark, Netherlands and Sweden. Photograph: Michaela Rehle/Reuters

Irish households still fourth most indebted in Europe, new Central Bank report finds

 UDG Healthcare: Revenues rose by 8 per cent in the six months to March 31st to $578.9 million (€516 million). Photograph: David Sleator/The Irish Times

Outlook for healthcare group remains ‘exciting’ after solid performance, says Davy

Greencore chief executive Patrick Coveney: “encouraging pipeline of new business” emerging at Peacock Foods. Photograph: Cyril Byrne

Revenue rose 46 per cent in first half, helped by Peacock Foods deal

Protecting your nest-egg can be hard work. Getty Images

Defined benefit pension plans below 140,000 active members

Paye workers can now earn more via Airbnb or rental income without having to undergo the full rigours of self-assessment –  and they’ll also pay less tax. Photograph: Martin Bureau/AFP/Getty Images

Move means Paye workers will pay less tax on Airbnb or consultancy earnings of up to €5,000 in 2016 tax returns

Insomnia plans to  open stores in Drumcondra and Mary Street in Dublin, Cavan, Mallow and Belfast. Photograph: Eric Luke

Coffee chain operating in Ireland and UK plans to open up to 30 outlets by end of year

Tesco first entered the Irish credit card market back in 2000, shaking up the banking sector

Card was popular with shoppers as it allowed them to collect 50% more Tesco points

The commissioner for economic and financial affairs said the European Commission was closely monitoring “the evolution of prices, supply and demand for housing in Ireland”.   Photographer: Chris Ratcliffe/Bloomberg

Commissioner says boost in supply is the only ‘durable solution’ to affordability in Ireland

“The popularity of TV programmes like RTÉ’s Room to Improve encourages homeowners to invest in their homes”

Bank of Ireland reports 38% surge in loans as property owners look to spruce things up

An increase in regulation is behind much of the growth across the capital markets sector, says Brian Conlon, chief executive of First Derivatives. Photograph:

Newry based firm reports ‘solid financial performance’ for 2017 on the back of significant contract wins

The Coombe maternity hospital in Dublin charges a reasonable parking rate of €2.50 for up to four hours, and a special daily rate for the day of delivery of €7.50. Photograph: Alan Betson

Patients and visitors to Irish hospitals have the added stress of pricey parking fees

Figures for first quarter show property prices are rising at fastest rate since 2007 - but still remain way off boom time highs

Debit-card point-of-sale spending in March increased 14 per cent to €2.7 billion on the same month in 2016. Photograph: Getty Images

Figures show switch from cash to contactless as Irish consumers reach for the cards

Mallinckrodt’s new location on the Cruiserath Road in Blanchardstown also houses  a state-of-the-art manufacturing facility

US pharma group has just opened its global medical device engineering centre at the site

JP Morgan is to acquire a 130,000sq ft building in the heart of Dublin’s docklands in a move that will provide the US investment bank with the capacity to double its Irish work force to 1,000.

Acquisition of new property could see US investment bank double Irish work force to 1,000

Assets in IFG’s retirement wealth planning platform, James Hay, rose 5.4%  to £23.3bn

UK-focused financial services group warns of impact of falling interest rates on profits

Ireland’s largest landlord Ires Reit has set rents far in excess of norms at its new development at The Maple in Sandyford, south Dublin. Excluded from rent restriction rules, it is hoping to achieve  € 2,570 for a two-bed apartment - close to the average industrial wage of about €3,000 a month. (Photograph: Eric Luke / The Irish Times)

End to soaring prices seems nowhere in sight

Stan McCarthy is to join Ryanair’s board at the end of May. Photograph: Dara Mac Dónaill

Stan McCarthy to join airline board as non-executive director

With Wow Air and Norwegian in the market stateside travel has never been so cheap - or has it?

The Maple, at Beacon South Quarter in Sandyford, south Dublin, is a newly-built development of 68 apartments – four one-bed, 55 two-bed and nine three-bed apartments.

Apartments to rent from €2,570 a month at investment fund’s new Maple scheme

Customers looking to venture further afield can opt for European Motor Breakdown cover

Product costs about €100 a year for European-wide breakdown assist cover

Figures from the Central Bank show that Irish people  are saving more than they were in the aftermath of the banking crisis when deposit rates were more than 3%. Photograph: Getty Images

Irish savers will earn just €10 on a €10,000 deposit compared with €179 in Slovakia

Hanover Lofts, a development, of four one-bed and 11 	two-bed apartments, has prices starting at € 415,000 for a one-bed, and €575,000 for a two-bed.

80% of Hanover Lofts apartments, starting at €415k for a one bed, sell at launch weekend

Colm Lyons  to target the UK market. Photograph: Brendan Lyon/ImageBureau

Realex founder takes space in Shoreditch in Europe’s largest fintech hub

Immedis was formed last November when Taxback Group pulled out its specialist corporate division and rebranded it Immedis.Today it employs 50 people in Dublin

Immedis targets international payroll company Expaticore, paving way for 150 new jobs

Globoforce CEO Eric Mosley: “These are very exciting times for Globoforce”

Irish software firm relocating to new Park West building almost five times bigger

Minister for Social Protection Leo Varadkar: The Government’s intention is to enhance the range of benefits accessible by the self-employed. Photograph: Gareth Chaney Collins

Survey finds that those working for themselves will pay more to get sick pay

Growth in the Irish manufacturing sector expanded to a three month high in March, with export orders now growing at the fastest rate since 2015.  (Photograph:  Alan Betson/The Irish Times)

Out-turn driven by improved market conditions both at home and abroad

First-time buyers are looking to buy in greater numbers than in recent times. Photograph: Dara Mac Dónaill/The Irish Times

It is cheaper to buy than rent in many parts of the State but buying is not always best

While audit fees have fallen from their dizzy highs in recent years, both PwC and KPMG saw income from their audit functions advance in 2016. Photograph: Getty Images

Revenues up 9% at PwC, while KPMG enjoys a similar buoyant year

Veneto’s closure is the latest in the line of foreign owned banks – many of which ran into trouble during the crisis – that have opted to bring their foreign business back home. Photograph: Bryan O’Brien / The Irish Times

Veneto Ireland Financial Services branch closes as bank rationalises foreign divisions

 Ulster Bank said operating profits stood at €32m  in the first quarter of the year, compared with €78m in the same period in 2016. Photograph Nick Bradshaw

Restructuring costs hit subsidiary of Royal Bank of Scotland but mortgage lending up 25%

Irish consumers are still preparing for a rainy day – latest figures from the Central Bank show that Irish consumers are now saving more than they’re borrowing.

Some €540m poured into Irish deposits in March despite record low rates of return

Planned revamp at Stillorgan following the agreement of a 25-year lease with owner Kennedy Wilson Europe.

Construction of 11,000sq ft extension is expected to be completed by end of 2017

Blanchardstown shopping centre: perhaps the rental shortage in the area is in part to do with the popularity of Airbnb.

With just three properties, Blanchardstown typifies the lack of accommodation to rent

Is it worth your while saving? Deposit rates have continued to fall in recent months, with the best rate currently on offer just 0.51 per cent on an instant access account - and it’s offered by Nationwide UK, which is readying its departure from the Irish market. It means that a € 15,000 deposit will earn just €76.50 over the course of a year - or just € 46.66 once Dirt is deducted.

Winning € 50 just once a year is now better than return offered on € 15,000 deposit, as savers pour €100m into product in first th(...)

Cairn Homes Marianella residential construction site in Dublin:  Timothy Kenny is  replacing Eamonn O’Kennedy as chief financial officer. Photograph: Chris Ratcliffe/Bloomberg

Kenny joins Irish homebuilder after 12 years with grocery group Musgraves

Kennedy Wilson plan for refurbishment of Stillorgan shopping centre, Co Dublin:  the London-listed property company that owns the shopping centre is to merge with its parent company.

Merger will create $4bn property group with 400-plus properties worldwide

Maximum Media,  the firm behind,, and, has been  listed  250th in the Financial Times’s FT1000.

Dublin internet firm Asavie and firm behind listed among ‘FT’ top companies

 First Derivatives is making headway in its efforts to expand its market beyond its historical base among Wall Street banks. Photograph:

Newry-based financial software consultancy forecasts full year earnings of £27.5m

At Ard Lugalisheen in Ballindine, Co. Mayo, a three-bed semi-detached house is now selling for €105,000, up from €95,000 before Christmas.

House prices soar by up to 43% in western counties – but it’s off a relatively low base

N26 Business allows freelancers and the self-employed to use one account to navigate both their business and private finances

Account is free to open but ATM use of Mastercard may incur charges

Nabriva is a clinical stage biopharmaceutical company engaged in the research and development of anti-infectives to treat serious bacterial infections

Nabriva Therapeutics to create new entity to be publicly traded parent company

All these extra costs really add up and significantly increase your overall tax burden.

A couple earning € 100,000 will lose as much as € 11,000 a year in Vat, excise and levies - and this is on top of income tax

The team at the Kemmy Business School in Limerick are focusing on the role of expert professional networks, tax advisors, wealth managers and the factors which can lead them to take ethical or aggressive approaches to their tax work.

Project aims to find amount of tax revenue being lost through avoidance and evasion

Ireland’s child benefit regime, €135 a month per child, combined with its method of taxing families, means some families pay a negative rate of tax on income.

Thanks to child benefit, lower income families lose nothing to income tax

Alan Walsh, chief executive of One51: One51  has reported strong growth for 2016, with revenues rising by 18.6 per cent to €433.9 million. Photograph: Dave Meehan

Sale of environmental services arm part of One51’s focus on its global plastics business

Retire to the Algarve in Portugal . . . and pay 0% tax on your pension. Photograph: Hemera

Portugal, France or Spain? Pension tax implications or other high-living costs can lead people to look abroad

Austin Hughes, chief economist with KBC Bank Ireland, says the survey suggests a pipeline of unsatisfied demand is building.

KBC Homebuyer survey indicates demand for 300,000 sales in next two years

Bottled cola goods such as Coca Cola are getting cheaper in Ireland, new figures from Kantar show. (Photograph: REMY GABALDA/AFP/Getty Images)

Cost of cola drops by as much as 10%, but fresh fish price hikes batter shoppers

Supervalu is back on top in the latest Kantar survey, with a 22.6 per cent market share. (Photograph: Aidan Crawley)

Groceries have dropped in price for the first time since May 2015; Supervalu is back as Ireland’s largest supermarket

Bank of Ireland: New Ireland, the Bank of Ireland-owned life assurer, is to appoint Michael Murphy as its new managing director.

Michael Murphy to join life assurer New Ireland from Willis Towers Watson

Then tánaiste Mary Coghlan at the opening of Nationwide UK offices at Spencer Dock in  2009. The bank is to pull out of Ireland. Photograph: Cyril Byrne

British building society’s savings-only subsidiary in Ireland offered attractive rates

Ruairí and Marie-Thérèse de Blacam, who founded Inis Meáin Restaurant & Suites 10 years ago

High-end hotel suites on least developed Aran island are poised for expansion

Three-quarters of UK-based companies favour Ireland’s tax regime above all others, a new   KPMG survey has found

Ireland also top pick for post-Brexit relocations alongside the Netherlands

 Revenue  wants  employers  to report pay, tax and other deductions, as well as details of employees leaving, when they run their payroll.

Small firms concerned that new approach will be time-consuming and not cost-effective

First-time buyers are coming back into the market in greater numbers, accounting for one in two out of every mortgage approval in February. Photograph: Cyril Byrne

Latest figures show there are more people looking to buy and seeking morgage approval but short supply is still a big issue

The  commission wants the market to allow  increased competition

Irish homeowners are paying significantly over the odds for their mortgages compared to European averages – but CCPC says capping (...)

For now, deposit rates will likely continue to fall from their already shallow depths. File photograph; iStockPhoto

BoI has cut its demand deposit rate to zero, possibly a first for the Irish market

The Irish subsidiary of US car rental group Enterprise has bought the car rental business of the Dan Dooley Group for an undisclosed sum. (Photograph: Dara Mac Dónaill/The Irish Times)

Deal brings together two family-owned motor rental companies

Rockbrook in Sandyford: Residents say the area is  dominated by ‘one monstrosity’ which is a ‘total eyesore’.

The council disagrees with the ‘height, massing, scale and bulk’ of the development

US investment bank JP Morgan is said to be in talks to lease a building Dublin, while Citi is also assessing its options. Photograph: Bryan O’Brien

Japanese bank will create up to 100 jobs if it opts for Dublin over Frankfurt as hub

The two acquisitions announced by UDG Healthcare will not have a material impact on profitability this year, Goodbody Stockbrokers said. Photograph: David Sleator

Sharp Packaging Services acquires packaging facilities in Pennsylvania and Wales

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