Latest figures from the CSO show that rate of price increases slowed to 7.1 per cent nationally in November, and as low as 3.9 per cent in some parts of Dublin. Photograph: Simon Dawson/Bloomberg

Real estate agent believes there ‘is no doubt’ market has reached a plateau

A number of UK companies targeting the retail financial market have already departed, including Nationwide UK Ireland, Leeds Building Society, while Tesco pulled out of the Irish credit card market

Redmayne Bentley to close Cork operation at end January

Computer-generated image of the Dalata hotel that will form part of the Spencer Place development on Dublin’s north quays

New 200-bed four-star hotel will operate under ‘bespoke’ branding

An impression what the Decathlon outlet in Ballymun could look like

Rollerblading and bike circuits to be included as staff recruitment to begin in June

The easy option – as was taken by then minister for finance Michael Noonan in 2016 – is to do nothing; to simply allow current valuations roll on once more. Photograph: The Irish Times

Changes to existing regime likely to be ‘moderate’

The more engaged you are with your financial health, the better your finances are likely to be. Photograph: iStock

Seven ways to get your year off to a good start and staying on track

The survey found that more people were saving regularly in December.

But savers remain more upbeat as they look to save more

Barclays is one of the few financial services to expand substantially in Ireland on the back of Brexit.

Level of new business approved by Central Bank low despite Brexit boost

Irish Life is looking for rent of €2,350 a month for two-beds at Fernbank in Churchtown, south Dublin.  Photograph: Dara Mac Donaill / The Irish Times

Fund manager is making its first move into the build-to-rent sector

Sancus is ramping up its Irish operation,  lending on commercial and residential developments in Ireland. Photograph: Bloomberg

Sancus, a UK financing company, aims to lend €50m in its first year of business

Researchers  found that a cashback mortgage could end up costing borrowers €30,000 more over the life of their mortgage due to the higher rates quoted on such products

Cashbacks offer incentives for mortgage customers but could cost more in the long run

The NTMA has a funding target of about €14-€18 billion for 2019.  Photograph: Eric Luke/The Irish Times

NTMA attracts interest of more than €18bn from investors

Switching your electricity provider will save you potentially hundreds of euro this year.

Switching mortgage provider, energy and health insurance can lead to sizeable savings

Insurance Ireland has estimated that the impact of fraud costs each car insurance policy holder € 50.

Insurer challenged over 1,500 claimants in the courts last year

 Minister for Finance Paschal Donohoe  has  allowed credit unions charge more for their loans but does it need to need to be so expensive? Photograph: Colin Keegan/Collins Dublin.

Several EU countries have much stronger rules on short-term loans than Ireland

Photograph: iStock

Six financial professionals give expert advice on improving your outlook in the year ahead

Credit unions want greater flexibility to set their own business models. Photograph: Colin Keegan/Collins Dublin.

Minister for Finance Paschal Donohoe looks to amend legislation to increase interest rate cap for credit unions

 Property tax brought in €482 million last year. Photograph: Bryan O’Brien / THE IRISH TIMES

Donegal has the worst compliance rate as nationwide tax brings in €482 million in 2018

Malin’s investee company Poseida Therapeutics has filed for a potential IPO.

US clinical-stage biotechnology company is eyeing a listing on the Nasdaq Global Select Market

Changes to the Consumer Protection Code came into effect yesterday.

Changes aimed at helping consumers switch their mortgage came into effect on January 1st

Yes you might still have to pay tax on your state pension - if you earn enough - but there are welfare payments that aren’t liable to tax.

Be wary of the benefits that are still subject to income tax

Do your research, and make sure everyone on the loan application has the right to live and work in Ireland

Buying in Ireland from overseas requires a hefty deposit and a buoyant salary

Rent controls are due to expire on Christmas Eve 2019, but many expect them to be extended further. Illustration: iStock

Where new developments are coming on stream, it is often at the top end of the market

A ‘gilet jaune’ demonstration on the Champs Élysées in Paris. About half of French workers do not pay income tax but they pay a substantial social charge Photograph: Zakaria Abdelkafi/AFP/Getty Images

Lower tax burden means Irish ‘veist buí’ movement is less likely

The authors suggest banning such products, as “it may encourage banks to compete more honestly on interest rates”. Illustration: iStock

Consumers get €6,000 back up front but such products ultimately cost more

The DSPCA is looking for people to sponsor pets this Christmas.

Charity gifts help donors and recipients visualise the type of help provided to others

 Kingspan has said it is forecasting full-year trading profits of about €440m  for 2018

Insulation manufacturer will join companies like Nestle, BP and HSBC in the indices

The platform will begin with a portfolio of three assets totalling 334 private and social units in Dublin, including the scheme at Bancroft in Tallaght

Platform will target standard, as well as social and supported tenancies, across Dublin and other major cities

Total Produce’s Carl McCann. Photograph: Alan Betson/Irish Times

Divestment was condition of European Commission’s approval of Dole/Total Produce deal

Online trading is getting more expensive for infrequent traders.

Infrequent traders will see cost increase by up to 150 per cent

Legg Mason has moved into the One Ballsbridge development in Dublin 4.

Four European offices to report into Dublin operation of US fund manager

Rents for apartments in Dublin city  rose by 11.7 per cent annually, compared with 6.5 per cent for houses. Photograph: iStock

Rents in Limerick are growing at the fastest rate across the country as new renters continue to pay more than those already rentin(...)

Irish households still favour deposit accounts despite low returns.

Savers continue to seek out deposits despite record low returns on offer

A study should be done on the psychological behaviour of shoppers with vouchers; it would undoubtedly throw up some interesting insights. File photograph: Getty Images

Don’t mislead with non-existing discounts; do offer better exchange rates; and do honour gift vouchers

A cohabiting one-earner household with one child would benefit from a 9 per cent reduction in their effective tax rate  at €50,000, which is €4,500 a year, if they were to get married. File photograph: iStockPhoto

Not getting married could cost you more than €400,000 in extra tax over 40 years

Over 30 years, cutting tax relief from 40 per cent to 25 per cent could cost an average saver €18,000, Standard Life says. Photograph: iStock

Pensions industry wants tax relief to remain same while others say system is ‘inequitable’

Davy said that Greencoat now represented just over 10 per cent of the Irish wind farm market.

Irish renewable infrastructure company to acquire two wind farms from Blackrock

Investor Compensation Company chairwoman Jane Marshall said a majority of potential claimants have yet to see their claims certified by the administrator/liquidator, Kieran Wallace of KPMG, “and thus have not received compensation due”

State’s investor compensation fund returned just €160,000 to eight clients

Citywest Village in Dublin 24, where homes are for sale from €320,000. A new report shows that the typical income needed to buy a home in Ireland continues to rise.

Figures show incomes/deposits needed to fund first home or to trade up continue to rise

Investors are set to  build 145 student beds on a one acre site they have acquired at Farranlea Road, Cork.

Round Hill and NBKC have joined forces to deliver more than 1,200 student beds across Cork, Dublin and Galway

Designed specifically as an alternative to high-cost moneylenders, It Makes Sense Loans target those on social welfare payments. They are typically quick to receive – credit unions can enrol you as a member straight away, and can offer the loan either on the spot, or within 24 hours. Photograph: Frank Miller

Micro loans scheme could provide an alternative if properly rolled out

His bank might be the same size as PTSB, but Metro Bank’s Craig Donaldson earns more than three times as much as Jeremy Masding. Photograph: Jason Alden/Bloomberg

Permanent TSB chief Jeremy Masding registers as lowest paid

The Employment and Investment Incentive Scheme allows retail investors to claim tax relief on investments in emerging companies

If you like the idea of a better return through equities, you might consider a structured investment which offers some protection (...)

What if it’s the State that is identifying you by the fact that you’re married? That sees you, not as an individual in your own right, but as a “wife”. What then? File photograph: Getty Images

Government is wrestling with unfairness on pensions, but discrimination is not yet in the past

It is understood Amigo will offer loans at an interest rate of up to 49.9 per cent

Amigo Loans to start offering loans in early 2019 at an interest rate of almost 50%

Springvale, Rathfarnham, Dublin

The amount you end up paying is going to be higher than the cash price

Bank of Ireland had been one of the main players in this market. Photograph: Frantzesco Kangaris/Bloomberg

Bank will stop offering mortgages to Irish living overseas who want to buy back home

 Greencore  has sold its  US operation to Hearthside  for $1.1 billion (€863 million). Photograph: Dara Mac Dónaill

Irish food group to pay shareholders a special dividend of €509m

Aryzta chairman Gary McGann speaks during the company's annual shareholder meeting in Duebendorf, Switzerland November 1, 2018.   REUTERS/Arnd Wiegmann

Troubled group reiterates 2019 forecast of mid- to high single-digit earnings

We’re spending more on cards than ever before. Photograph: Martin Keene/PA Wire

Irish consumers spend €18bn on their cards in year to September as online spend up 11%

Two-beds are available from €1,950 a month at the Charlotte in Honey Park, Dun Laoghaire.

Patrizia is holding an open viewing for apartments at Honey Park this week

ISME chairman Ciaran Murtagh said there was now an expectation among employees that their employer could meet ever-increasing housing costs through their wage packet

Small business chairman calls for greater Government intervention in housing market as he warns of turbulence ahead

Nurses can avail of a flat-rate expense to cover the costs associated with their uniform and other work related expenses.

Move means shop assistants will still be able to claim relief of up to €48.40 next year

The expense regime is available to those working in a broad range of professions and trades, from teachers to bricklayers to hospital doctors. And figures show that more than 536,000 taxpayers claimed the relief in 2018, across 53 employment categories. File photograph: Getty Images

Flat rate expenses: How scheme works, how much it’s worth – and who really benefits most

Capital Dock is Ireland’s tallest residential building at 22 storeys.

Kennedy Wilson’s 22-storey scheme in Dublin’s south docklands available from January

Even if you’re not eligible to qualify for a contributory State pension you may be entitled to   a non-contributory pension. Photograph: iStock

A non-contributory State pension could be worth as much as €12,064 a year to you – or as little as €234

 New home construction is struggling to meet demand in the absence of developers’ ability to scale up. Photograph: Chris Ratcliffe/Bloomberg

Cairn Homes plans to build 550-600 units on Montrose site, which it acquired in 2017 for €107.5m

Irish residents paid almost €3 million in unpaid taxes and penalties on properties in the British Virgin Islands

Hunt for offshore evaders was announced last November as amnesty window closed

A recent CPL survey noted that just 40 per cent of women who have children return to work afterwards – even though 90 per cent express an intention to do so. Photo by Thomas  Samson/AFP/Getty Images

Allowing people to keep at least 51 cent of each euro earned could incentivise work

Self-assessed taxpayers need to pay and file now to avoid late payment penalties. Photograph: Nick Bradshaw

Self-assessed taxpayers need to act now to file and pay tax returns for 2017; deadline is also tomorrow for Form 12 and CAT filing(...)

Why it's important to do your research as, for a sizeable cohort, the scheme doesn't make financial sense

The acquisitions at Newlands Cross would “greatly increase the potential opportunities” for Hibernia at the enlarged site. Photograph: Eric Luke/The Irish Times.

Property investment company to pay €27m with additional payment if land is re-zoned

Kingspan expects to grow profits by about 15% this year.

Insulation manufacturer points to ‘some softening’ in UK residential market

The supply of rental properties  continues to tighten, with 3,214 properties available to rent nationwide on November 1st, down by 4.5 per cent on the same figure a year ago.

Average rent in Dublin nears €2,000, Limerick rental growth exceeds 20 per cent

Locking in to a low-cost affordable mortgage has been trickier than people had expected

Just 60 loans drawn down since scheme launched despite over 1,000 applicants

Roma Burke of Lane Clark and Peacock says pension funds should consider lending directly to homebuyers,  the “logical next step in a diversification of how pension funds invest their money”.

Approach could be seen as an ‘inter-life approach – a younger me is borrowing from an older me’

Living wills, or advanced healthcare directives (AHDs), were provided for by The Assisted Decision-Making (Capacity) Act 2015.

Medical staff claim ‘disconnect’ between 2015 Act on patients’ advance healthcare directives and their professional ethics

The research comes following the high profile collapse in April 2014 of Maltese based insurance company Setanta Insurance, which had sold insurance in Ireland on a freedom of services basis. Photograph: iStock

Central Bank study also finds many are hazy on identity of provider

Goodbody Stockbrokers has added to its US equity positions over the past week, going from neutral to overweight on the back of strong earnings results and mid-term elections in the US

Stockbroker adds to its US equities on the back of strong earnings and mid-term election results

German car maker BMW reported a fall in profits. Photograph: Regis Duvignau/Reuters

German car maker hit by upfront expenditure for electric car development

Kerry Group HQ in Naas, Co Kildare. The company produces brands including Dairygold, Low Low, Denny and Galtee

Food ingredients company points to softening UK consumer environment in third quarter

Improving the availability and affordability of childcare could be an important Government intervention, said Dermot O’Leary of Goodbody Stockbrokers. File photograph: Dominic Lipinski/PA Wire

Irish economy performing ‘well ahead of expectations’, though housing still an issue

Irish households now hold record amounts on deposit, at almost €100 billion, despite the dire returns on offer.

Nearly 1,800 household accounts in Ireland have more than €1 million on deposit - despite negligible interest rates

The creation of the new unit comes as part of a wider restructuring of the State’s tax collection agency. Photograph: Nick Bradshaw

Unit will oversee those with annual income of €500,000 or significant property portfolios

The goal of house hacking is to get the tenants to pay all your mortgage, thus allowing you to either live it up in style, reinvest the funds or pay down your mortgage.

House hacking permits you to rent rooms to tenants who pay your mortgage for you

Employment growth accelerated for the fifth successive month in October, to reach a 10-month high, according to the IHS Markit Ireland Services purchasing managers’ index.

Employment growth remains strong and reaches 10-month high

Draper Esprit invested £7.4m in fintech group Revolut in May.

Dublin and London listed firm £65m across 17 transactions during first six months of the year

When it comes to mortgages, take a look at your broker agreement – you might find a note on how early redemption may involve a commission clawback, and “this may be passed on to you”

Mortgages taken out with a broker and switched within three years could be subject to a financial clawback

Drawdown figures for the third quarter of 2018 show 10,873 mortgages worth €2.4 billion, or an average of €220,730, were drawn down during this period.

Banking federation report shows uptick in number of people switching mortgages

Cooldrinagh, the Foxrock childhood home of writer Samuel Beckett, has recently had its asking price cut by € 1 million.

Report by Knight Frank shows prices of Dublin luxury homes fell by 1.7% in the year to September, the first annual decline since 2(...)

Sometimes, however, depending on your circumstances, a marginal pay rise can cost you more than you might think.

If you live outside Dublin with a family then it’s not worthwhile earning more than €60,000

 Minister for Housing  Eoghan Murphy. Photograph: Dara Mac Dónaill

Since 2004 RTB has been tasked with overseeing a functioning rental housing sector

The ESRI study found that gender differences were most pronounced during the austerity budgets of 2008-2012. Photograph: Istock

Stay-at-home mothers and low-income women fared worst due to welfare payment cuts

There is something also to be said for treating people as being capable of making their own financial decisions. Photograph: Getty Images

Letting people draw down some before retirement to help buying a home makes sense

While it’s impossible to determine just how much money you might need for the remainder of your life, it’s better to overestimate rather than underestimate.

Proper planning can help balance retirement needs against estate tax liability

The decline in fees will mean many funds will no longer be economically viable.  Photograph: Lucas Jackson/Reuters

Lower rates for investors may trigger closure of up to 20% of funds

Paddy Power Betfair chairman Gary McCann (left) pictured with then chief executive Breon Corcoran  at the agm in 2016.

Former Paddy Power Betfair chief executive is to move into fintech with digital money start-up

In the Melbourne Mercer Global Pensions Index for 2018, which ranks 34 countries in terms of the sustainability of their pension systems, Ireland has held on to its ranking of 12th

Pensions review calls for broader private pension coverage and introduction of minimum level of mandatory pension savings

Dublin city. According to Dublin City Council, 33 loans, worth €7 million, or an average loan of €212,840, have been drawn down by the end of September. Photograph: Alan Betson

Rebuilding Ireland Home Loan went live last February with almost 3,000 applicants

The head of financial planning with Merce says it is “probably bad” for people who had wanted to protect, or ring-fence, the funds in AMRFs, as they will now be obliged to access these retirement savings. Photograph: iStock

Tax bills will also rise for some from 2019 as a result of €5 increase in State pension

Ireland's biggest builders and landlords: (top row) Kevin Nowlan, Justin Bickle, Michael Stanley, Thomas Edwards Moss; (bottom row) Alan McIntosh, Margaret Sweeney, John Mulcahy and Charles Gallagher

Incomes buoyant for heads of new breed of institutional landlords and housebuilders

Minister for Housing Eoghan Murphy said the new scheme would be reviewed just eight months on from its introduction. Photograph: Dara Mac Donaill / The Irish Times

Figures show rejection rates of as high as 61%

PwC’s research suggests that many asset managers are considering moving a range of functions out of the UK as a result of Brexit.

PwC survey shows both Ireland and Luxembourg stand to win business if UK exits

‘An unexpected or underestimated increase in income in 2017 could mean that those filing a tax return could be hit with a double whammy in terms of the amount they owe.’ Photograph: Nick Bradshaw

Good news for self-employed: profits may be up, but preliminary tax may go up too

ACCA wants the Revenue to share the spoils of PAYE modernisation with employers. Photograhp: Nick Bradshaw

Revenue expected to collect €220 extra tax per employer due to greater compliance

Irish families are still not getting enough towards the cost of childcare. Photograph: Frank Perry/AFP/GettyImages

Families earning in excess of €50,000 a year could save about €300 a month on childcare

Greencore chief executive Patrick Coveney. Photograph: Cyril Byrne

Convenience food group agrees to sell entire US business to rival Hearthside for €863m

The Dublin office market is one of the few areas that stands to benefit due to Brexit relocation activity from London, according to the Knight Frank report. Photograph: Dara Mac Dónaill / The Irish Times

Ireland beats out Luxembourg, Paris and Frankfurt, though projects are ‘modest in scale’

This year, for the first time, the Revenue has given a separate breakdown on income derived from residential and that derived from commercial.

Revenue’s figures show landlords claimed tax deductions of 41% on income of €2.6bn that year

How did our Budget 2019 families fare?

Modest gains for low-income workers and €5 for pensioners

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