A ban on flat annual charges is set to come into force on July 1st next year but it is worth trying to save some money in the meantime. File photograph: Alan Betson/The Irish Times

Customers may see upward pressure on prices as operators prepare for new service

Albert Manifold, chief executive, CRH, said that the group’s acquisition of CRL is an “excellent operational fit” with the group’s US building envelope business.(Photograph: Cyril Byrne / THE IRISH TIMES)

Building materials group is forecasting full year earnings growth as it said it will acquire US glazing manufacturer for $1.3bn

Gavin Slark, Grafton chief executive officer, said that despite current challenges the group is “well placed to make further progress in the second half towards delivery of its medium term targets of a 7 per cent operating margin and 15 per cent return on capital employed.”(Photograph: Cyril Byrne / THE IRISH TIMES)

Builders merchanting group points to ‘siginficant increase’ in Irish revenues

Royal London’s Irish business reported a 31 per cent jump in new business in the first half of 2015, driven by strong growth in the company’s protection business.

UK mutual now has 9% share of Irish protection market

Home building group Cairn Homes said on Thursday it is considering acquiring 11 sites valued at €120m with a potential to build about 1,600 residential units. (Photograph: Alan Betson/The Irish Times)

Home builder’s Parkside development in Malahide to launch in September with selling prices to start at €315,000

IFG group chief executive Paul McNamara, said that the company’s “sharp strategic focus” on the retirement wealth market is delivering growth and improved performance.  (Photograph: Eric Luke / The Irish Times)

Financial services group grew operating profit by 12% in H1 as divestment of Irish insurance business nears completion

 Albert Manifold, chief executive, CRH, said that the group’s acquisition of CRL is an “excellent operational fit” with the group’s US building envelope business.(Photograph: Cyril Byrne / THE IRISH TIMES)

Building materials group is forecasting full year earnings growth as it said it will acquire US glazing manufacturer for $1.3bn (...)

Brian Keegan of Chartered Accountants Ireland says non-executive directors of non-commercial bodies are already entitled to claim tax relief on their expenses

Experts have called on Government to update rules on how people claim tax relief

Ryanair said it would immediately appeal the ruling, and estimates the potential liability will likely be less than €5m.

Ruling means that millions of passengers could be in line for a payout

An Enoc petrol station in Dubai: the company says it plans to delist Dragon Oil. (Photograph: Ali Haider/EPA)

Irish exploration company will delist from Iris Stock Exchange on September 7th

AIB says that some 110,000 customers may be entitled to a refund for the mis-selling of credit card protection insurance. (Photograph: Bryan O’Brien)

Bank will refund up to €128 for customers who were mis-sold credit card protection insurance

Irish engineering group Mincon grew revenues in the first half of 2015 by 40 per cent, but operating margin fell by 22 per cent due to a pressure on pricing. (Photograph: Eric Vidal/REUTERS)

Engineering group reports 40% jump in revenues but margins are hit by pricing pressures

Analog Devices in Limerick. On Wednesday the company said it would close its defined benefit pension scheme and invest €190m in a new defined contribution scheme. (Photograph: Press 22)

Limerick based company will invest €190m in converting to a defined contribution scheme

Siobhan Talbot, Glanbia managing director, said that the group’s first half year results show that its strategy is “on track”. (Photograph:v Dylan Vaughan)

Company’s half-year results show performance nutrition as biggest earnings contributor

Loans transacted during the first half of the year include the sale  by Permanent TSB of half of its UK residential portfolio to Cerberus for €3.5 billion. Photograph: Alan Betson

PwC study of year to June reveals banks in Ireland have allocated €7.5bn in loan sales

Ryanair was strong again on Tuesday, adding 17 cent, or 1.4 per cent to close at €12.88. Photograph: Josep Lago/AFP/Getty Images

Mining and energy stocks hold global markets back as uncertainty in China continues

Aer Lingus will continue to fly with a shamrock on its tail but it will no longer have an Irish owner as it joins the British-Spanish group IAG.

End of an era as airline waves goodbye to Irish ownership

Aer Lingus staff, Fiona Tracey, Sorcha O’Rourke, Grainne Kelly and Lydia Worrell, welcome the arrival of first Aer Cap Airbus A350 at Hanger 6 Dublin Airport in July 2015. (Photograph: Dara Mac Dónaill / The Irish Times)

From humble origins to being part of a global group: a brief history

Many get out loans to cover fees and living costs, but sooner or later it’s payback time

Irish owners of holiday homes in Brittany or apartments in Puerto Banus are now able for the first time to decide to whom they wish to leave these properties under new EU succession regulations

Rules designed to allow national laws be applied to succession assets elsewhere in EU

A drilling rig at Providence’s Helvic Oil field in the Celtic Sea.  Shares in the Irish oil and gas exploration company have plunged in the past year.

Oil and gas exploration stock falls by 8% in Dublin

Minister for Finance, Michael Noonan, delivering last year’s Budget. Small businesses across Ireland want to see the Minister cut the rate of capital gains tax in this year’s Budget. (Photograph; Dara Mac Donaill / The Irish Times)

Small Firms Association also calls for end to tax discrimination against self-employed

Ballymaguire Foods currently employs 150 people in Lusk and is one of the largest producers of chilled ready meals to retailers in Ireland.

Chilled ready meals producer is gearing up for UK expansion

Improved economic outlook likely to spur move from ratings agency

AIB said on Friday that it will cut its variable mortgage interest rate for both new and existing customers by 0.25 per cent, as it announced first half pre-tax profits of some €1.2bn, up by 50 per cent on the same period in 2014. (Photograph by Cyril Byrne/The Irish Times)

Bank reports H1 profits of €1.2bn on back of significant writebacks

KBC added more than 31,500 customer accounts for the first half of the year. Photograph:

Belgian parent indicates it could divest Irish operation in 2016

RSA is the subject of a potential takeover bid by Zurich Insurance Group, and a deal would cap a tumultuous two-year period for the insurer after an accounting scandal in Ireland. (Photograph: Philip Toscano/PA Wire)

Scandal hit insurer aims to return to profitability in 2016

Aviva reported a 17 per cent increase in the value of its new life business in the first half of the year, up to €9.3m, on the back of increased sales in pensions and annuities as well as investment products

Profits jump to €45m as insurer reports strong growth in new life business but says a rise in claim costs hit heath insurance

Kerry said that it now expects to achieve 6 to 9 per cent growth in adjusted earnings per share to a range of 296 to 304 cent per share in 2015.  (Photograph: Nick Bradshaw)

Food group boosts revenues by 4.7% in H1 as it raises earnings forecasts and eyes up future investments

Avolon saw its net income advance by 133 per cent to $56 million in the three months to end June 2015, driven by a very strong performance on trading activity and an improved financing costs. (Photograph: Alexander Hassenstein/Getty Images)

Dublin bassed lessor forecasts net trading gains of up to $65m for 2015 as it stays quiet on rival bids

Data shows jobless rate unchanged at 9.7% but lowest since 2009

While Dublin remained the main hub for jobs in Ireland, accounting for 20 per cent of job ads, professionals in cities outside the capital were also in high demand, with adverts across all sectors up 17 per cent year-on-year the survey from Robert Walters shows.

Number of job ads rose by 19% in Q1 with growth noted outside Dublin

 Defined contribution (DC) schemes, worth some €40.4bn,  reduced their equity holdings in 2014, down by 1 per cent to 52.2 per cent, as they upped their allocation to bonds by 2 per cent to 23.1 per cent, according to the IAPF’s annual survey. (Photograph: Peter Dazeley/Getty)

Savings soar by 18% to €107.8bn but IAPFchief sounds warning

Grant Thornton managing partner Paul McCann said that the merger will “serve to increase competition within the larger Irish firms, particularly in the areas of audit and taxation, as well as the growing market for corporate finance advisory services”. Photograph: Patrick O’Leary

Accountancy firms seek to challenge dominance of profession’s ‘big four’

Estate agents report pickup in business this summer

Worthwhile gains can be made despite low prevailing rates of deposit interest

The IFSC in Dublin: its promoters have always sought to leverage on Ireland’s proximity to London to win business; a Brexit could damage that

If a Brexit happens, it could bring benefits for financial services here – but also some risks

Blue skies all the way for Ryanair shares

European stocks little changed yesterday after they had enjoyed a three-day rally

Domhnal Slattery , CEO Avolon. The Dublin based aircraft leasing group is subject to a $2.6bn takeover offer. (Photograph: Eric Luke / The Irish Times)

Offer of $2.6bn from China’s Bohai values Dublin based lessor at 55% premium to December IPO

Irish households are increasingly turning away from low yielding fixed deposits in favour of overnight or instant access accounts. (Photograph: Bryan O’Brien / THE IRISH TIMES)

Consumers still have poor appetite for credit despite recovering economy

Credit unions said on Friday that the new regulations place “unwarranted restrictions” on credit unions, and send out a message that may cause “reputational damage” to the movement. (Photograph: Matt Kavanagh/The Irish Times)

New rules will prevent consumers from saving more than €100,000 with their local credit union

Efforts at national level will stop repeat of mistakes, says Competitiveness Council chief

S&P is predicting property price growth of 9 per cent for 2015 for Ireland, after which it said that growth should slow to a “calmer” rate of 5 per cent in 2016 and 3 per cent in 2017.

Annual growth of 9% will see Ireland outpace UK, Germany and Portugal

Barcelona’s Argentinian forward Lionel Messi celebrates after scoring during the UEFA Champions League football match in May 2015.  BT Sports will have exclusive coverage of the tournament in 2015. (Photograph: PIERRE-PHILIPPE MARCOUPIERRE/Getty Images)

Broadband provider benefits from jump in MNC business as viewing figures for BT Sports soar

The sale of the assets will leave Lloyds with ‘minimal exposure’ to Irish commercial assets the bank said. (Photograph: Simon Dawson/Bloomberg)

Sale of commercial loans will leave Lloyds with ‘minimal’ exposure to Irish assets

Operating profit at Ulster Bank rose by 74 per cent to £80m (€113m)in its second quarter, compared with the prior year, as the bank said on Thursday that it continues to maintain a strong capital and funding position. (Photograph: Alan Betson / The Irish Times)

RBS owned bank says improving economy will lead to further impairment releases

Savers increasingly turned to the prize bond draw to boost their returns amid plummeting deposit rates. However, a low interest environment means the available prize fund has also diminished. Photograph: Julien Behal/PA Wire

State-run fund worth €2.3bn, but low interest rate reduces prize total

Bookmaker Ladbrokes is to retain 144 shops nationwide and continue to employ over 700 people in Ireland following the High Court’s approval of its rescue plan. (Photograph: Aidan Crawley/The Irish Times)

Bookmaker will retain 144 shops nationwide and continue to employ over 700 people

Profits at Trinity Biotech fell by 37 in its second quarter, as the Irish medical diagnostic firm reported a decline in HIV revenues in Africa.

Irish medical diagnostic firm hit by falling sales of HIV products to Africa

Dublin’s skyline in 2007. A new €500m fund hopes to bring the cranes back by lending to residential property developers.(Photograph: Eric Luke/The Irish Times)

State run investment fund joins forces to fund development of up to 11,000 homes in urban areas

The enforcement investigation by the Central Bank identified “significant failures” by both PTSB and its subsidiary company Springboard Mortgages Limited connected to tracker mortgage options and rates. (Photograph: Alan Betson / The Irish Times)

Compensation of some 1,300 mortgage holders to cost bank €76m and it may also face fine

Last summer, Green REIT paid €23 million for the Sun Alliance building on Dawson Street in Dublin city centre. It is planning to replace it with a new modern building twice its size

Cash deals dominate in a sector where lending remains a risky uncertainty

Nama has disputed claims that assets in the controversial €5.7 billion Project Eagle portfolio have risen in value by as much as 20 per cent since they were sold. (Photograph: Cyril Byrne / THE IRISH TIMES)

Agency disputes claims that value of assets in portfolio has risen by 20% since it was sold to US group Cerberus

Ireland’s trade surplus narrowed by €627m in May, on the back of a 5 per cent decline in exports and a corresponding rise in imports. (Photograph: Reuters)

Decline of 5% in exports pushes trade surplus down as CSO includes aircraft leasing data for first time

Source: comsumerhelp.ie

A bill of €160 a year is not unusual if customers don’t look to avoid the fees that banks are levying on them

In a market that had been rising too rapidly, some agents are reporting lower selling prices because of increased housing stock on the market and longer selling times. Photograph: Frank Miller

Central Bank’s tough restrictions on desposits have cooling effect

Inheritance thresholds for a child have plummeted since 2009 but there are ways to avoid or mitigate tax bills

First announced by the Government in the budget in October 2013, free GP care for the under-sixes was seen as the first step in a roll-out of free GP care for all. Photograph: Katarzyna Bialasiewicz/Getty Images/iStockphoto

It is finally going live, but how do you register and how will the scheme work?

 It’s likely the only way rates will fall  to a level enjoyed by our European counterparts – despite the efforts of Government – is if new entrants come in. Photograph: Rui Vieira/PA Wire

With little movement on interest rates, banks are offering other sweeteners

The report supports earlier comments made by Patrick Honohan, the outgoing governor of the Central Bank. Speaking last February at the Trinity Economic Forum, Mr Honohan said first-time house buyers clearly represent a safer prospect for lenders. Photograph: Matt Kavanagh/The Irish Times

Survey of brokers shows new income rules hitting first-time buyers hard

Banks in  periphery countries like Ireland, Italy, Portugal and Spain remain vulnerable in the event of a Greek exit from the EU, ratings agency Moody’s said on Monday. (Photograph: Bryan O’Brien/The Irish Times)

European banks are better prepared for such a scenario but banks in peripheral countries like Ireland remain vulnerable

New Industry Advisory Committee succeeds the old Clearing House Group, a key success factor for development of the IFSC.  Photograph: Bryan O’Brien/THE IRISH TIMES

Industry Advisory Committee, whcih will implement the new IFS2020 strategy, is to meet on Wednesday

JD Wetherspoon, which plans to open 30 bars across Ireland over the next five years, was founded in 1979. It operates more than 900 bars across Britain

Moss Vision announces further 50 positions in Co Roscommon

Dealz, where (almost) everything costs €1.49,  is now selling to some 300,000 customers a week in Ireland. (Photograph: Eric Luke / THE IRISH TIMES)

Discount retailer now selling to 300,000 Irish customers a week as it eyes opening 10 new stores this year

Julie Sinnamon, CEO Enterprise Ireland said that the next generation of seed funds will “create a new platform to support commercialisation of ideas, company establishment and most importantly job creation”. (Photograph: Alan Betson / The Irish Times)

Call for fund managers to leverage EI funding with private investment to invest in start-ups

PwC’s eight new partners.  Pictured with PwC’s incoming senior partner Feargal O’Rourke (centre) are (left to right) Brian Leonard, banking and capital markets; Féilim Harvey, consulting; Andy Banks internal audit; Mary Ruane, asset management; Deirdre McGrath, transaction services; Paul Barrie, assurance; John Murphy, tax and Ronan Finn, transfer pricing.

Professional services firms appoint eight new partners each

 The number of Irish domiciled securitisation vehicles have reached a new high according to figures from the Central Bank. (Photograph: Matt Kavanagh/The Irish Times)

Stabilising market sees Irish vehicles increase share of European market to 23%

A number of Ulster Bank customers in Northern Ireland may find their payments delayed today, Wednesday, after the bank’s parent, Royal Bank of Scotland, reported that 600,000 payments went missing after a technical glitch. (Photograph: Alan Betson / The Irish Times)

Royal Bank of Scotland reports 600,000 payments went missing after a technical glitch

Tickets for the Lotto draw accounted for almost 70 per cent of sales, with the rest accounted for by scratchcards

Sales of €56.8m reflect ‘strong sales’ in scratchcards and Lotto, says operator

Johnson & Johnson Vision Care is to invest over € 100 million in an expansion of its manufacturing operations at its site in Limerick.

Global pharma group to invest €100m in expanded manufacturing operations

Construction workers enjoyed a pay rise in 2014, with their earnings growing by 4.6 per cent from € 36,230 to € 37,884, the largest increase recorded. (Photograph: Krisztian Bocsi/Bloomberg)

Workers saw wages cut by 0.2% to €35,768 but construction workers got pay rise of 4.6%

French company Sidetrade is one of the new companies that came to Dublin in 2014. Pictured at the opening of its new offices are: Minister for Jobs,Enterprise and Innovation Richard Bruton TD (left) picutred with Olivier Novasque CEO Sidetrade Group and Martin Shanahan CEO of IDA Ireland (right). (Photograph: Aidan Crawley/The Irish Times)

City ranks ahead of Paris and San Francisco for greenfield investment

More than eight out of 10 jobseekers would earn at least 40 per cent more in employment than from benefits, research from the ESRI has found. (Photograph: Aidan Crawley/The Irish Times)

Study finds small cohort of families receive more by remaining outside workforce

Most travel insurance policies do not cover smartphones. This means that if you lose or damage your phone, or if it is stolen, you won’t be entitled to any compensation. Photograph: Brent Lewin/Bloomberg

Your policy may not offer everything you expect – so read it closely and follow our guide

D2 co-founder Deirdre Foley. Financier won praise from Derek Quinlan at Quinlan Private.

D2 co-founder trained as an accountant, beginning her career with KPMG in 1992

High-profile duo have participated in a number of major recent restructurings

Bank of Ireland gave up 2 per cent, to close down at €0.35, but Permanent TSB went a little stronger, adding 8 cent, or 1.9 per cent, to close up at €4.33, albeit on not much volume. Photograph: Andy Zakeli

Dragon Oil soars on £3.7bn takeover agreement, up 9.2%, to finish up at €10.08

IDA chief executive Martin Shanahan welcomed today’s announcements. Photograph: Aidan Cawley/Irish Times

New high-level roles created in Dublin, Wexford and Belfast in another “very strong” year for FDI into Ireland

Degiro director Gijs Nagel says that commission charges in Ireland are “excessively high” in comparison to the rest of Europe.

Online Dutch broker is promising to ‘liberate’ Irish investors from high stockbroking charges

A report on London’s financial centre recently revealed that it has the potential to create 40,000 new jobs. Could DUblin also benefit from this? (Photograph: Stefan Rousseau/PA Wire)

Structured arrangement would help IFSC maximise its potential - Brian Hayes

Game Account Network is still confident in the long-term prospects for real-money gaming in the years ahead.

Remuneration falls for CEO Dermot Smurfit jr and CFO Desmond Glass

Short sellers bet that markets will fall, rather than rise. Photograph: Torsten Blackwood/AFP/Getty Images

If you fear a fall in equity prices, you could consider going short – but it’s not for the fainthearted

Stefan Gerlach, deputy governor of the Central Bank of Ireland, said that Ireland should promote “a well-developed rental market as a genuine alternative to ownership, and an attractive investment proposition for potential landlords”. (Photograph: Frank Miller /	THE IRISH TIMES)

Deputy governor says a deeper rental market protects against financial shocks

With government debt per head of $60,000, the Irish carry the second largest debt burden in the world behind Japan – but ahead of (...)

Economist Jim Power said on Wednesday that the Government’s decision to award public sector wage increases is “worrying”. (Photograph: Eric Luke/The Irish Times)

Jim Power calls for a general election by April 2016 and urges government to prioritise economics over politics

Medtronic, which completed its acquisition of Covidien earlier this year, is the  68th largest company in the world, with a market capitalisation of $111m.

Medtronic is in 68th position while Apple is still the world’s most valuable company

The Central Bank is warning investors about an unauthorised investment firm, Robinson Securities LLC. (Photograph: Matt Kavanagh/The Irish Times)

Robinson Securities LLC is not authorised by bank to act

According to Investec’s latest Purchasing Managers’ Index growth in the Irish manufacturing sector increased to 57.1 in May from April’s 55.8 reading, in a sequence of expansion that now runs to two years.( Photograph: Peter Kollanyi/Bloomberg)

Strong sterling to continue to help Irish exports

Pre-tax profits soared by 120 per cent at Newry based First Derivatives, as the financial technology group benefited from three acquisitions it made during the year positioning it for growth in big data. (Photograph:  Newraypics.com)

Stellar year for Newry financial technology provider as revenues soar by 19% and profits reach £17m

Chief executive Owen Killian said the decline in Aryzta’s North America business is expected to continue through Q4. (Photograph:Cyril Byrne / The Irish Times)

Food group is forecasting 5% reduction in full-year underlying EPS

The advantages of being married from a financial and legal perspective may only be evident “once or twice in a lifetime” – but these events tend to have huge financial significance. Photograph: Getty Images/Pixland

Matrimony is a legal contract which gives both parties new rights and obligations

Prices have come down for some things since the boom but the cost of living is still high

All you need to know about applying for benefits, the Habitual Residence Condition, and transferring your pension

The cost of childcare is very high, and competition for school places in many areas is fierce

Returning emigrants may be asked to pay a hefty premium for car insurance, but there can be ways around it

The two-tier private and public system in Ireland could be a bonus or a drawback, depending where you’re moving back from

Rent and house prices have risen considerably, especially in Dublin city

Irish Residential Properties Reit  chief executive David Ehrlich said the investment company would like to build 400-450 apartments on the Rockbrook site in Sandyford, Dublin, which it acquired earlier this year.

Density rules inhibiting development in Dublin, says Irish Residential Properties Reit

Ryanair’s results – with full-year profit  rising 66 per cent to €867 million – sent the stock soaring by as much as 8 per cent, with shares closing up 5 per cent at €11.40. Photograph: Josep Lago/AFP/Getty Images

Impact of airline’s stellar results limited as Iseq gains less than 0.1%

The Marker residences on Grand Canal Square. Ires Reit is currently renting two-bed apartments in the development for upwards of €2,550 a month.

Investment company Ires Reit is reporting strong growth in rents as it targets bank funding of up to €385m

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