Election posters outside Government Buildings in Dublin as the 2016 general election campaign gets underway. Photograph: Niall Carson/PA Wire

It’s not just Obama and Sanders. Irish politicians, too, are using crowdfunding to raise campaign funds

On the Central Bank’s  agenda this year is a review of the sale of structured investment products, such as capital guaranteed and tracker bonds, to retail consumers. (Photograph: Matt Kavanagh/The Irish Times)

Regulator to conduct review of payments earned on the sale of financial products

Brendan McAtamney (53) joined UDG Healthcare in September 2013 as chief operating officer, having previously held senior management positions with Abbott.

Healthcare services provider reports “strong start” to the year as it forecasts full-year EPS growth of 6-8%

Unless you have deep pockets and expensive health insurance, you may be best to stay away

The Central Bank said that credit union lending continues to fall, dropping from €7 billion in 2008 to just €4 billion in 2015 - a near 15-year low. (Photograph: Matt Kavanagh/The Irish Times)

Central Bank set to soften rule which has raised the ire of the industry

Growth in new orders revealed a sharp and accelerated expansion, extending the current run of positive readings to 31 months. (Photograph: AFP/Getty Images)

Latest PMI figures point to sharp expansion in new orders

A two-bedroom apartment  in Newtown House, Limerick, is for sale for €60,000 with Sherry Fitzgerald.

Dublin remains a ‘seriously unaffordable’ location, housing survey shows

The announcement from Equifax comes a day after the Government announced ambitious plans for 66,000 new jobs for Dublin between now and the end of 2018. (Photograph:Cyril Byrne / The Irish Times)

New centre will bring US technology group’s Irish workforce up to almost 200

Despite a “challenging” UK grocery retail market, Greencore’s UK revenues were up 7.9 per cent, with a good performance in core chilled categories. (Photograph: Cyril Byrne / THE IRISH TIMES)

‘Good start’ to the year for convenience food group with revenues up 7.2 per cent

A single market for financial services could see Irish consumers get a mortgage fixed at 2.7% in France or deposits paying 2% in t(...)

The ECB  has kept its main refinancing rate static at 0.05 per cent since September 2014. Irish deposit rates, however, have slumped in the interim.  Photograph: Arne Dedert/EPA

It is not just retail deposits that have slumped; corporate rates have fallen too

AIB is offering German savers an interest rate that is more than three times that offered to Irish customers

State-owned bank is targeting the German market through an online start-up

Fitch said that  weak asset quality at AIB and BOI is a hurdle in the path to upgrades and is the “key vulnerability” for Irish banks.

Ratings agency says Irish banks still ‘vulnerable to severe shocks’ in commmercial property

No wonder those premiums are so expensive - if you have private health insurance you’re paying a levy of €399 a year to the state.

Recent floods means that consumers could be facing yet another levy - but they’re already drowning in charges

There was balanced growth between imports and exports, Dublin Port said, with imports up 6.5 per cent at 19.5 million gross tonnes, on the back of strengthening of domestic demand. Exports were ahead by 6.4 per cent at 13.3 million gross tonnes.  (Photograph: Aidan Crawley/Bloomberg)

Cargo volumes up 6.4% putting the port ahead of where it was in 2007

NYSE trader: allocating to equities will still make sense in 2016. Photograph: REUTERS/Brendan McDermid

Low interest rates are a high risk in 2016, but despite recent turmoil equities could still be a winner

Grafton Group chief executive Gavin Slark saidthe group anticipates reporting operating profit for 2015 in line with the guidance of about £125.5m - £127.0m.(Photograph: Cyril Byrne / THE IRISH TIMES)

Builders merchanting group reports strong growth in Ireland and is still forecasting full-year profit of £125.5m - £127.0m

Julius Baer, the third-largest Swiss wealth manager, is beefing up its Irish operation as it primes itself for long-term growth in Dublin.  (Photograph: Valentin Flauraud/Bloomberg)

Swiss wealth manager is targeting long-term growth in Ireland as it announces new hires

Parents will get an extra €5 per child in their child benefit payment today, which is paid on the first Tuesday of the month.

If you pay tax, have children, get the state pension or earn the minimum wage you should be in line for a (little) January bonus (...)

Figures for month show significant improvement on December 2014

The Trocaire charity puts 91 cent of every €1 donated towards its charitable work. Photograph: Kim Haughton

Alone puts 100% towards services, while 64% in Irish Heart Foundation is spent on work

ARI runs airport retail businesses in eight countries across North America, the Middle East and Asia as well as The Loop outlets in Dublin and Cork.

Company will run duty free at new terminal in the UAE

NTMA chief executive Conor O’Kelly. The debt management agency said on Tuesday it will raise up to €10 billion in the bond markets in 2016. (Photograph: Nick Bradshaw)

State funding agency reduces target for 2016

New mortgage data suggests that the Central Bank’s macroprudential regulations , which put limits on the amount people can borrow, are having a negative impact on mortgage volumes.

Figures show significant growth in homeowners switching to avoid high variable rates

What’s on offer for “empty nesters”: a 1,000sq ft, two-bed apartment in The Grove, Goatstown, Dublin 14 is on the market for €470,000 What’s on offer for “empty nesters”: a 1,000sq ft, two-bed apartment in The Grove, Goatstown, Dublin 14 is on the market for €470,000

If you are thinking about trading down, be aware of the following dos and don’ts

The Ireland Strategic Investment Fund’s deals in 2015 included a €100m fund for residential property development.

Six further deals worth €200m expected to close in coming weeks

Michael Smufit was also acting as an adviser to Madison Dearborn on its bid for the Finnish based company Powerflute. (Photograph: Dara Mac Dónaill / The Irish Times)

Michael and Dermot Smurfit own 36% stake in Finnish packaging company

Oil exploration company Tullow Oil said on Tuesday that its Etom-2 well in Northern Kenya has encountered over 100 metres of net oil play in the best reservoirs in the basin so far.

Shares rise 4.2% in London as exploration company says find suggests ‘significant potential’

Ratings agency Moody’s said that it will only upgrade Ireland further if the public debt ratio were to be reduced further at a rapid pace. (Photograph: Scott Eells/Bloomberg)

Rating agency says that if new government strays from fiscal consolidation it will downgrade Ireland again

Petroneft, the oil and gas exploration firm , gave an update on Monday on drillling at its two wells in western Siberia, in which the Dublin-headquartered firm has a 50 per cent interest.

Initial results are ‘disappointing’ CEO says

The only element of the survey that weakened between October and November was the buying climate which recorded its weakest reading since November 2014. (Photograph: Dominic Lipinski/PA Wire)

Strongest reading since January 2006 on post-Budget boost

Moody’s noted the continued favourable funding profile of Ireland’s banking system, as it upgraded the sector’s outlook. (Photograph: Scott Eells/Bloomberg)

Strong growth forecasts and successful restructurings sees Irish banks upgraded

David Duffy, former chief executive Officer , Allied Irish Banks, is set for a £1.5m pay out when his new employer Clydesdale Bank demerges from National Australia Bank. (Photograph: Alan Betson / The Irish Times)

Former AIB CEO will get £1.5m stock award when bank demerges from NAB in February

The deal is ICON’s second acquisition this year, following its aquisition of MediMedia Pharma Solutions in March.

Acquisition of PMG Research will boost Icon’s clinical trial effectiveness

A maximum of € 400 tax relief is granted (at the 20 per cent standard rate) in 2011 for bin service charges paid in the year 2010.

December deadline to claim relief on bin charges is looming

UCD Smurfit School has slipped back one place to 26th in The Financial Times European business school ranking 2015.

Dublin college falls one place to 36 in European business school rankings

Perth-based miner Iluka Resources said it had pulled out of a proposed acquisition of Kenmare, after Kenmare indicated its largest shareholder wouldn’t support the deal. (Photograph: Aaron Bunch/Getty Images)

Sultanate of Oman wealth fund to invest in Irish miner but stock falls 8.1% in London as Iluka pulls out of deal

Setanta Sports co-founder Mickey O’Rourke. Eir said on Monday it will acquired the Irish based sports broadcaster. (Photograph: Eric Luke / The Irish Times)

Acquisition of sports broadcaster will give Eir platform to compete with Virgin Media

ISS, which provides office management services including cleaning and washroom services and security, also grew its profits before tax in the year to December 31st 2014 , up slightly to €1.9 million

Facilities services group Integrated Service Solution reports ‘satisfactory’ year

According to figures from the Banking and Payments Federation of Ireland (BPFI), mortgage lending fell by 2 per cent in the year to the three months ending October 2015, the first time that mortgage approvals have fallen on a year-on-year basis since April 2013.

Regulator says it’s still too early to judge new rules as mortgage lending falls by most since 2011

New PMI figures for November show that orders increased for the twenty ninth successive month, while new export business also continued to grow sharply with the rate of expansion little-changed from that seen in October. (Photograph: Alan Betson, The Irish Times)

Latest PMI figures show slowdown in growth but new orders remain strong

  Cairn Homes’ development in Parkside, Malahide Road, Dublin 13. The  50 acre Parkside site has zoning potential for a total of 433 homes when complete and Cairn expects to complete the first 200 homes before the end of 2016.

Leverage will be used to fund acquisitions and growth for Parkside developer

There are ways to make sure you get the most value from this vital entitlement

Pat Davitt of the IPAV, the representative body for estate agents, said: ‘There is more to property than its market value and includes such characteristics as site size, location, condition, property build size, whether the property is a new build or not and more’

Department of Finance consultation on property tax attracted about 40 submissions

Zara is just one of the brands owned by of Inditex and ITX Fashion: others include Bershka and Massimo Dutti. Photographer: Martin Leissl/Bloomberg

ITX Fashion may no longer play key role in Spanish giant’s ecommerce development

Mortgage lending fell by €138 million, down by 2.4 per cent on an annual basis, according to latest figures from the Central Bank.

Household deposits jump in October by €1.1bn - the most since December 2008

Pension & Financial Consultants has approximately 4,000 clients and £600m (€ 850m) of assets under management

Aryzta chief executive Owen Killian said on Monday that the Swiss Irish food group’s  business in the UK and Ireland returned to growth during the first quarter. (Photograph:Cyril Byrne / The Irish Times)

Swiss Irish food group will continue to focus on delivering underlying revenue growth

Viagra maker Pfizer is merging with Botox manufacturer Allergan. They’re just two of the top drugs in the world produced in Irelan(...)

The Commission said that the scheme will be “cost-neutral” to banks, and will be risk-weighted; riskier banks will pay higher contributions than safer banks, and this will be strengthened as EDIS is introduced gradually.

Level playing field to protect deposits up to €100,000 will be introduced by 2024

McCambridges in Shop Street in Galway is one of ten food outlets in the city to have signed up for Deliveroo’s new home delivery services. (Photograph: Joe O’Shaughnessy)

Ten Galway restaurants have signed up to deliver meals through the home-delivery service

John Hourican  joined Bank of Cyprus from Royal Bank of Scotland’s investment banking arm.

Dublin born banker to start new contract as CEO in February 2016

UDG chief executive Liam FitzGerald, who is to step down from the role in March, said that the year was one of “ substantial financial and strategic progress”. (Photograph: Eric Luke / The Irish Times)

Healthcare services provider benefits from favourable currency rates to grow pre-tax profits by 24% to €107m

The survey, which was conducted among more than 150,000 adults across 148 countries, shows widely varying literacy rates.

Global survey finds just 55%of Irish adults are financially literate compared with 71% in the Nordic countries

CFDs allow investors to bet on a share price by only putting up an initial deposit of as little as 10 per cent of the price of the stock. (Photograph: Alan Betson / The Irish Times)

Central Bank survey finds that 75% of investors lost an average €6,900 in risky investment

AIB’s headquarters in Ballsbridge. The bank said on Monday it will hold an egm on December 16th  to seek shareholder approval for its new capital reorganisation plan. (Photograph: Eric Luke / THE IRISH TIMES)

Vote on new plan to take place at egm on December 16th; Goldman Sachs will no longer advise Department

According to new figures, just 712 customers to date in 2015 have switched their mortgage from one provider to another.

Just 712 switches have been transacted so far this year despite six-figure savings to be made

 It’s understood that an investor with 1,000 AIB shares today, with a value of about €69, will hold four shares post conversion at a value of about €17.20 (based on a share price of about €4.30 each), a reduction in value of about 75 per cent. (Photograph: Cathal McNaughton/Reuters)

Retail investors could stand to lose more than 75% as bank reveals share consolidation plan

INM reported an increase in total advertising revenue of 3.7 per cent on Tuesday. Digital advertising revenue grew by 43.6 per cent, offsetting a 1.2 per cent decline in publishing advertising revenue, although some titles, including property and magazines, recorded improved year-on-year revenues. (Photograph: Frank Miller / THE IRISH TIMES)

Publisher of Irish Independent points to slow-down in circulation declines and boost in digital advertising as shares jump 6.1%

Due to Finance Bill, personal retirement savings accounts will get USC exemption

Stefan Gerlach, deputy governor of the Central Bank of Ireland said on Monday that the regulator’s new mortgage lending rules are “ functioning as intended”. (Photograph: Frank Miller /	THE IRISH TIMES)

Deputy governor says new rules are working and it is too soon to review them

Number 4-5 Harcourt Road, Dublin 2 where Green Reit expects to obtain a full grant of planning to demolish the existing building in the coming weeks and to construct a new building of c.45,000 square feet, commencing with demolition of the existing building early in 2016 and completing the new building in H2 2017.

Investment company is on site in four out of five projects as it says vacancy rate has dropped to 1%

FBD says that profitability in the Irish insurance market will be challenging into 2016 as the market has not increased rates sufficiently to compensate for the significant deterioration in the claims environment”.

Insurer says rates haven’t increased enough to compensate for higher claims

Most of the increases in rent are going to the bank or to the Government, says Coleman O’Connor of O’Connor Shannon estate agents. Photograph: Dominic Lipinski/PA Wire

The burden of taxes mean that, despite the surge in rent, it is hard to make a profit

Getting a year-end bonus is satisfying, but paying the tax due can take the joy out of it

It’s tax return week again. Some 400,000 self-assessed taxpayers have until Thursday to file their 2014 tax return.

Some 400,000 taxpayers across the country have until Thursday to file 2014 tax returns

Tommy Breen, DCC chief executive, said that the group’s “very strong” performance was achieved through excellent performances from the energy, healthcare and environmental divisions, “notwithstanding a more difficult background for the technology division”.

Operating profit soars by 26.1% but revenues are hit by lower oil prices as shares jump 3.8% in London

Paddy Power and Betfair announced a plan to merge in August in a deal that creates the world’s biggest publicly-listed online gaming company, the latest in a wave of combinations across the industry. (Photograph: Matthew Lloyd/Bloomberg)

CMA is investigating whether Betfair merger will reduce competition

One Dockland Central is currently being refurbished to Grade A standard and the works are expected to complete in early 2016.

HubSpot will pay an average of €45 per sq. ft for office space in the old Commerzbank building

Gene Murtagh, chief executive officer Kingspan. The insulation manufacturer said on Monday that in the nine months to Sep 30th, profitability benefitted from strong operating leverage, and has been “further complemented by unusually favourable exchange rates and a positive input cost environment”.(Photograph: Alan Betson / The Irish Times)

Insulation and building envelope manufacturer grows sales on the back of a strong contribution from acquisitions

The €100m fund to develop offices will address an “important gap” in the market, Quadrant Real Estate said.

State backed fund has linked up with US real estate fund to finance high-quality office development and construction projects

Bank of Ireland’s plans to restrict over-the-counter cash withdrawals to a minimum of € 700 and cash lodgements to a minimum of € 3,000 backfired when customers complained. (Photograph : Matt Kavanagh / THE IRISH TIMES)

Switching current accounts doesn’t have to be a headache

The European Commission is looking at ways of removing obstacles for the sale of retail financial products, such as mortgages and savings products, across the EU.

European Commission has started process to remove obstacles to cross-border sale of retail financial products

 Paddy Cosgrave opens the Web Summit 2015 at the RDS, Dublin.   Photograph: Eric Luke / The Irish Times

Founder says event is ‘distraction’ from real issues impacting people

Kerry Group’s new innovation centre, in Millennium Park, Naas. The Irish food and ingredients company said it achieved “good progress” in the first nine months of the year, as it reported a 3.2 per cent increase in business volumes and reiterated its goal of delivering 6 to 9 per cent full year earnings growth. (Photograph: Dara Mac Dónaill / THE IRISH TIMES)

Irish food and ingredients company reported Q3 3.2 per cent increase despite ‘highly competitive’ Irish consumer food market

Mortgage lending is being hampered by the Central Bank’s new lending rules as well as excessive stress testing a mortgage broker says.

Mortgage expert says buying a home has become too difficult for too many; Davy says mortgage lending may fall back further in Q4 (...)

Panmure Gordon, which has the stock rated as a buy at a target price of €16.50, said the airline’s long-term prospects remain “highly attractive”. (Photograph: Brendan McDermid/Reuters)

Analysts note ‘exceptional’ performance from airline but likely profit taking sends stock price down

Ireland’s manufacturing sector saw a “solid improvement” in October, with the latest Purchasing Managers’ Index from Investec revealing another month of expansion. (Photograph: Alan Betson/ The Irish Times)

Firms remain positive on the outlook as PMI reading rises again

After a bumper summer Ryanair is forecasting full year profits will be towards the upper end of its € 1,175m to € 1,225m range. (Photograph: Alan Betson / THE IRISH TIMES)

‘Bumper summer’ boosts profits at airline as it forecasts double digit growth in Ireland and

Fashion retailer Carraig Donn, which has 38 stores across Ireland, has made its first foray into the UK, opening its first store in Newcastle.

Fashion retailer Carraig Donn opens store in Newcastle with another set to open in Sheffield

Gavin Slark, chief executive officer of Grafton said the deal will give Grafton a presence in the Netherlands for the first time and strengthen its branch footprint in the mainland European market. (Photograph: Cyril Byrne / THE IRISH TIMES)

Acquisition of Dutch tool distributor Isero marks group’s first foray into the Netherlands

PAYE landlords must pay PRSI for first time in 2014 returns, as new budget measures will not take effect yet for the self-employed(...)

Clavis Insight, the Irish provider of ecommerce store analytics to consumer goods companies, has secured a $20 million growth equity investment, which it will use to accelerate international growth and create more jobs.

Clavis Insight will use investment for growth and creating up to 150 jobs

Chairman John Hennessy said that the recruitment group has had a “positive start” to its new financial year. (Photograph: Dara Mac Donaill / The Irish Times)

Recruitment group said it has had a ‘positive start’ to new financial year

Tupperware party: if you don’t feel comfortable selling, and maybe pushing customers into opening their wallets, direct selling may not be for you

Companies have long appreciated the profitability of getting people to sell to friends and strangers

The more attention you give your pension, the more likely it will be sufficient to meet your demands in the future

The sooner you put a pension scheme in place the better – but stay focused on it

First Derivatives, the Newry-based financial technology firm, said on Monday that  that trading in the first half of its financial year has been strong. (Photograph: Newraypics.com)

Newry based software provider says full-year outturn will be in line with forecasts

13-17 Dawson Street which is being redeveloped by Green Reit. A survey from Davy Research has found that fears of over-supply in the Dublin office  market by 2018 may be overdone. (Photograph: Matt Kavanagh/The Irish Times)

Survey finds that risks of oversupply in Dublin market by 2018 may be ‘overdone’

Pat Kenny at the launch of UTV Ireland  in Dublin in August 2014. The station was launched with much fanfare but has struggled to perform since. (Photograph: Cyril Byrne / THE IRISH TIMES)

UTV to sell its television assets to UK’s largest free-to-air commercial broadcaster

Last year the market was preoccupied by a lack of suitable family homes. Now, Central Bank lending rules and market forces have re(...)

Budget 2016 has been criticised as ‘very unfair’ on landlords. File photograph: iStockphoto

Those renting out properties are unlikely to see their annual tax bill fall significantly

Budget 2016 will offer some relief to children hoping to hold onto a family home gifted to them by their parents, as the tax free threshold for asset transfers from a parent to a child is set to increase by 24 per cent to €280,000.

Move expected to cost the Exchequer €28m in 2015 and €33m in 2016

Revenue is warning taxpayers to watch out for phishing emails, which seek personal information from taxpayers in connection with a tax refund.

Scammers are phishing for personal details in run-up to self-employed tax deadline

Last year Minister for Finance Michael Noonan announced DIRT free savings for first-time buyers - but the measure has had little impact.

Remember DIRT free savings for first-time buyers? Ahead of tomorrow’s Budget we look at some past measures that never took off

Bricklayers work on the external facade of an apartment building at a  brown-field regeneration residential construction site in Acton, UK

With Ireland struggling to build enough homes we look at how other nations do it

Adding up: Mary Clarke, a volunteer Clontarf at Credit Union, and other parents have introduced the idea of saving with the credit union to Conor Lynch and others in Belgrove Senior Boys School. photograph: brenda fitzsimons

The credit union movement has changed utterly since the recession but hopes to emerge stronger than ever

Ed Farrell, chief executive of the ILCU, says that stimulating demand for lending is one of the credit union sector’s greatest challenges at present. Photograph: Frank Miller

According to the Irish League of Credit Unions’ review, loans fell by €166m

While we await next week’s pronouncements, it’s a good time to consider a range of financial experiences across Ireland

On Thursday, some €1bn in the 2.40% Treasury Bond 2030 will be auctioned at 8am, and will be confined to recognised primary dealers. (Photograph: Simon Dawson/Bloomberg)

Last auction of the year will see state agency sell €1bn in 15-year bonds

Credit union sector: it continues to lobby the Government over new Central Bank regulations it deems unfair. Photograph:  Colin Keegan

Irish League of Credit Unions appoints consultant to undertake review of movement

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