If you intend to purchase a new vehicle, figuring out how to pay for it is crucial

Some of the best value to be had eating out this summer is in the State’s finer establishments – just as long as you get in and get out early. Photograph: iStock

Some might seem unusually early but they’re worth beating the crowd for to get the best value

When the local property tax was first introduced back in 2013, an exemption was offered for first time buyers (exemption B).

Penalties up to €3,000 for those incorrectly claiming exemption for buying home in 2013

Instead of all pensioners getting the same payments, and the same increases on budget day, Minister Regina  Doherty said, she could see a situation whereby a ‘lady in Donegal’ might get more or less than a ‘lady somewhere else’

Pension increases could become dependent not just on national price trends but on local ones

If you are one of the lucky ones with a pension fund worth close to, or in excess of €2 million, you may  wonder if you’re  paying too much into your pension

You could face an onerous tax come retirement if your pension pot is over €2m

Help-to-Buy is due to come to an end on December 31st of this year. Photograph: Brian Lawless/PA Wire

It will have cost the State more than €200m by the end of the year, but how does the incentive work?

Spending on UK car imports in the first six months of the year rose by 107 per cent compared with the same period in 2018.

Irish motorists are looking to benefit from euro’s strength against pound

Given its focus on transforming its branches into digital outlets, BoI is looking to help those who can’t cope.

Bank of Ireland to offer support to a range of customers who may be vulnerable to abuse

Is the Irish savings model broken? Photograph: Ivan Bliznetsov/iStock/Getty

State borrows from abroad, but why not tap retail savings market?

Kennedy Wilson’s Capital Docks development in Dublin’s docklands. The Department of Finance is set to consider the impact of foreign investors on the property market this month.

Review to consider impact of foreign institutional investors buying up Irish property

The ESRI is calling for increases in  carbon and property taxes – both of which can be expected to affect the average household. But it could be argued that Irish households are already contributing a disproportionate amount to the Irish economy. File photograph: iStock

Away form the headlines, it is ordinary income tax payers who contribute the lion's share of taxes to the Government

NTMA chief executive Conor O’Kelly: ‘Debt is still elevated and remains a very signficant burden on the State.’ Photograph: Sara Freund

National Treasury Management Agency chief highlights high cost of servicing €200bn debt

TopShop is just one of the recent retail closures. Photograph: Peter Summers/Getty Images)

Despite difficulties, demand remains ‘robust’ for retail premises CBRE report finds

If you can’t find the title you want on Borrow Box – and you’re in possession of a tablet, smartphone or Kindle – then you could just buy it through the Kindle app

Lighten your reading load this summer without hurting your wallet

Dublin commuter counties like Wicklow are the least affordable for first-time buyers. Photograph: Alan Betson

Leitrim, Waterford, Sligo, Cavan and Longford most affordable counties

Revenue figures show some €466.3 million in inheritance taxes were collected last year, up by 10 per cent on 2017.

Exchequer reaps windfall from inheritances to grandchildren, nieces and nephews

The Croft, Parc Na Silla Avenue, Loughlinstown, Dublin : “Cash buyers only please.”

With defects emerging, should you buy a property built in the Celtic Tiger era?

A ‘significant barrier’ to home ownership is saving up a deposit, according to the report.  Photograph: Cyril Byrne / The Irish Times

Wicklow and Kildare are least affordable counties to buy property, according to report

Staycity offers short-term and long-term apartment and aparthotel lettings.

Irish aparthotel operator to open in Paris, Venice, Edinburgh and Berlin by year end

 Green Reit’s site at  Molesworth and Dawson Street: the company reported that contracted annual rent is now up to €79.4 million. Photograph: Cyril Byrne

Trading update reveals 10% increase in rents and favourable market conditions

KBC has completed the sale of a loan portfolio to Bank of Ireland. Photograph: Bryan O’Brien / THE IRISH TIMES

Deal marks move by Belgium bank’s Irish subsidiary to focus on retail and micro SME clients

Since 2003, Irish women have been more positive on the economy than men only four times. Photograph: iStock

Survey shows when it comes to financial prospects, women less exuberant than men

Airbnb visitors in Dublin.  Photograph: Cyril Byrne

The rules are intended to help ease the housing crisis. But can they be enforced?

Irish League of Credit Unions Headquarters on Mount Street in Dublin. Many credit unions have been forced to imposing savings caps on their members as a way of reducing their savings levels. Photograph:  Frank Miller

Credit unions across the country are imposing savings caps as interest rate squeeze tightens

From June 30th people who run into difficulty meeting repayments on finance deals may find it more difficult to get another deal if seeking finance on sums of €2,000 or more. Photograph: Getty

Regulator to include details on hire purchase and personal contract plans on a register

Diaceutices helps pharma companies interpret patients’ medical records

Belfast-headquartered diagnostics data analytics company will help pharma companies interpret this mass of data

The Isme also called for an end to the tax disparities and discrimination against the self-employed. Photograph: iStock

Small business association wants a host of tax reforms, VAT reduction in Budget 2020

Uniphar’s Ger Rabbette: he said the group had “transformed” over the past five years. Photograph: Dara Mac Dónaill

Irish pharmaceuticals wholesaler and healthcare services group aims to raise €150m

The decline in activity follows a Government clampdown in the 2016 Finance Act on the back of growing opprobrium that such funds were paying minimal amounts of corporation tax. Photograph: Nick Bradshaw

Revenue maintains move was a success and acted as a deterrent to tax avoidance

At least 40 credit unions across the country have  imposed savings limits on their members. Photograph: Frank Miller

Move blamed on banks charging credit unions to keep their money on deposit

At least 36 credit unions across the State have imposed savings limits on their members. Photograph: Frank Miller

Thousands of members have been asked to withdraw some money to meet new limits

The average income of a first-time buyer  last year was €73,536. Photograph: iStock

Central Bank report shows type of applicants who succeeded in getting a mortgage last year

It’s worth considering how investors typically hold property in Ireland, and how these various structures are taxed. Photograph: Getty

No stamp duty, no CGT and no corporation tax: how Irish tax regime benefits Section 110s, Reits and Icavs over smaller landlords

Irish debt continues to fall to record lows.

Bond sale comes as Irish government debt reaches record lows

AIB recently announced it would again cut deposit rates for regular Irish savers. Photograph: Aidan Crawley

Difference of 400% noted as Irish savers continue to see returns plummet

Between 2006 and 2017, the number of claims awarded rocketed by 127 per cent and the value of these claims soared by 174 per cent

Personal injury claimants who lose may still end up paying legal costs of the defendant

One option in Dublin for a buyer on an income of €37,000 is a two-bedroom house on Clonard Road in Crumlin, Dublin 12, which is asking €199,000.

Forget about a help-to-buy deposit: no affordable homes are being built in Dublin

As part of PTSB’s redress programme, customers who accepted compensation from the bank were not precluded from a taking a further case via the courts. Photograph: Alan Betson

Central Bank figures suggest some 40,000 borrowers have been affected across the banks

Co-living at The Oak in London: you can  pay €1,228 a month upwards for this en suite unit  with a shared kitchen.

Minister suggested people should be “excited” at being able to get “less space for less rent” in new co-living developments

‘Every year you’re not doing them [AVCs], you’re missing out on those tax benefits’

Additional voluntary contributions enable you to beef up your retirement provision tax free

PTSB is set to increase the cost of its Explore current account by 50 per cent. 	Photograph: Alan Betson

Move will make it more difficult for customers to qualify for free banking

Average weekly earnings stood at €769.98 as of the first quarter of 2019, up by 3.4 per cent on a year earlier. Photograph: iStock

Private sector earnings growing faster than public sector, but the latter still earns more

More than three quarters of claimants for life insurance at BOI were over the age of 60.

Bank pays out more than €123m in 2018, with youngest claimant for life cover just 25

Foreign owned companies have a better gender balance research from the CSO shows. Pictured is Microsoft’s country manager for Ireland, Cathriona Hallahan. Photograph: Maxwells

CSO survey shows gender balance remains poor with construction sector worst offender

Help to Buy would offer a down-payment of €15,000 for the home, while the buyer could then access the other €15,000 from their pension fund, meaning that they could transition from the costly rental market to their own home much easier. Photograph: Cyril Byrne

Brokers want first-time buyers to get early access to pension savings

Kevin Nowlan, chief executive of Hibernia Reit. Photograph: Tom Honan

Property investor wants to build homes on land bought from IRFU last year for €27m

Cleaning up a  house in Dublin 4 after it was vacated by a tenant who left it in a squalid and damaged state while owing €55,000 in rent arrears. Photograph: Crispin Rodwell

When tenants go bad, owners face huge difficulties moving them on

Ryanair has previously declared its intention to become the ‘Amazon of travel’, or, as chief marketing officer Kenny Jacobs puts it, a ‘travel retailer with a low-cost airline at its centre’. Photograph: Gleb Garanich/Reuters

Flights might look cheap but airlines are turning their efforts to add-ons to ramp up revenues

Do bonds mean prizes? The fund has shrunk by more than 50% from 2013 to 2018 and the number of prizes by a similar proportion, to just 4,316 a week. File photograph: Getty

Winning is a long shot and and the prize pool is shrinking, but popularity is undimmed

Property price growth has started to slow – at least in Dublin – while asking prices in the €1 million-plus category have begun to fall.  Photograph: Nick Bradshaw

Dublin property prices rose most across 32 locations between 2013 and 2018

Bus Éireann ’s Expressway service turned a profit last year and will be the focus of improving the company’s position. Photograph: Aidan Crawley

Ireland’s largest public transport operator shrinks its annual deficit to €6.3 million

The Property Price Register has undoubtedly given a much-needed quantitative insight into the Irish property market – but it has its flaws. Photograph: Getty Images

Database has improved transparency in the market but has flaws

Capital Dock, where serviced apartments are available for €6,500 a month. Growth of serviced apartments in Dublin’s city centre is squeezing the availabilisty of long-term rents. Photograph: Dara Mac Donaill

Stock countrywide stood at just 2,700 properties on May 1st – the lowest figure since series began

AIB  will cut the interest rate it offers on both its AIB Saver and Online Saver variable rate deposit accounts from 1 per cent to 0.9 per cent from July 30th. Photograph: iStock

More bad news for savers as banks cut returns on regular savings accounts

Should self-employed pay more in social insurance to access a broader range of benefits?

Traditionally the self-employed didn’t get access to benefits due to their contributions rate

House of Fraser in Dundrum reported sales of some €7.2 million in the 73-day period of August 10th-October 23rd, 2018

Dundrum store remained profitable despite protracted period of uncertainty

Apple is still Ireland’s largest company based on turnover. Photograph: Regis Duvignau/Reuters

Top 1000: Who’s going up, who’s going down, who’s in the black and who’s back in the red?

Dr Nora Khaldi, founder and chief scientific officer, Nuritas

Top 1000: Eight of Ireland’s business leaders tell us about their lives at the top

House of Fraser outlet in Dundrum. Where once you could peruse Le Creuset  or Nespresso, now you’ll find Adidas runners and tracksuits

Direction shift at Dundrum’s House of Fraser could be concession to online retailing

It’s a lot cheaper to live in Portugal, with value to be had even in the Algarve, particularly when compared with prices in Dublin

Remember the tax-free benefits on offer can be complicated for Irish people to access

JRI America is expanding its Kerry branch.

Subsidiary of Japanese Sumitomo Mitsui Financial Group will create a new Kerry based security operations centre

Irish savers have not much to cheer about at the moment.

Saver with €10,000 earns average of just €3 in Ireland - compared with €122 in the Netherlands

Dalata chairman  John Hennessy,and chief executive Pat McCann at the group’s agm in Dublin.  Photograph: Maxwell’s

Group has a pipeline of over 2,190 rooms that it plans to open between 2020 and mid-2021

Kerry Group has reported a “solid start” to the year.

Food and ingredients group reaffirms its full year growth prospects of 6-10%

Revenues rose by 17 per cent to  €557 million in the three months to March 31st, 2019. Photograph: PA

Bookmaker’s online performance hit by unfavourable sports results in UK and Ireland

Dublin Landings, one of the few new docklands developments which will have social housing

Big challenge in capital is to ensure developers obey Part V obligations

The planned new development, acquired by Google, on the Boland’s Mill site which will have 40 apartments.

City council ‘social mix’ plan takes a hit as cash deployed for cheaper homes elsewhere

It could be a case that Ireland’s middle class, like  other OECD countries, will also start to shrink in the years ahead.

New report argues middle class threatened by stagnant wages, soaring house prices - and robots

The move will also benefit the many thousands of contractors who work for multinationals and smaller companies around the State on a self-employed basis. Photograph: Aidan Crawley

Expected 6,500 applicants a year set to benefit from payment of €203 a week

Construction giant CRH is looking to reudce its share capital.

Irish building materials giant is looking to reduce its share capital

Parental leave take-up rates among fathers  in Ireland have been put as low as 10-20 per cent.

Fathers’ reluctance to take leave after having a child linked to large loss of earnings

 Many banks offer a better interest rate on mortgages once the value of the loan drops below 60% of the value of the house. File photograph: Frank Miller

Several options to release value from your property

If your work is under the control of someone else, if you receive a fixed hourly, weekly or monthly wage, if you cannot subcontract your work, if you work set hours; and if you work for one person or one business, then you should be considered to be an employee.

Many workers fulfil criteria associated with employees - but they don’t get any of the benefits

One Molesworth Street: among Green Reit’s buildings on which 25 per cent tax on the increase in value may need to be paid if the trust is sold.

In event of sale, tax bill of 25% looms on value increase of properties under three years old

As a contractor, you can move between companies more easily, and thus work on a greater variety of projects. Photograph: iStock

Flexibility and the pay opportunities come at the cost of job insecurity and tax downsides

A family with one earner and two children had  a tax burden of just 8.3%   in 2018

Yet low-income single workers with children in Ireland have one of the lowest tax burdens across the OECD

J-1 workers may be due a tax refund. Photograph: Getty

US President Donald Trump’s Jobs Act means Irish students will now only get about $175 back

Green Reit is up for sale. Photograph: Cyril Byrne / THE IRISH TIMES

Shares up 4.7% in early trading as co-founders of property investment company Stephen Vernon and Pat Gunne won’t make a bid

Bank offering homeowners chance to lock in at 3.3% rate for 10 years

‘Zero consideration has been given to the issue of adequacy or coverage; it doesn’t benefit citizens in any real meaningful way,’ says one pensions professional. Photograph: iStock

EU directive brings extra requirements. Why is there such opposition to it?

Feargal O’Rourke, managing partner, PwC, sees a strong outlook for the firm. Photograph: Eric Luke / The Irish Times

Professional services group sees ‘significant increase’ in demand for its services

Andrew Day, chief executive of Keywords Studios

Dublin video gaming firm sees profits double to €22m on back of strong demand for services

Bank of Ireland’s  Helen Nolan, who is to join the board of Total Produce. Photograph: Frank Miller /	THE IRISH TIMES

Frank Gernon, Jerome Kennedy to retire; Helen Nolan to join the board

What are the scenarios for the LPT in the future?

Q&A: What are the likely future options and who is exempt?

It will now be more difficult for homeowners to avail of multiple cashback deals by switching several times

Some homeowners have sought to exploit the cashback offers by switching multiple times

Revolut is authorised in the UK  under the Electronic Money Regulations 2011, and according to the Central Bank of Ireland, is passporting its services into this country  on a freedom of services basis

Revolut has almost 300,000 Irish customers – and a strong base among under 35s – but what safeguards are in place for depositors?

If you avail of a tag to pay your tolls automatically, the service comes at a cost. Photograph: Dara Mac Dónaill

From parking to tolls and parcel delivery, service providers have many hidden charges

Michael Carvill, managing director of Kenmare Resources, was paid some $1.7m in 2018. Photograph: Bryan O’Brien

Michael Carvill’s remuneration steady on 2017 in year of ‘robust performance’ for the mining company

77 Sir John Rogerson’s Quay, Dublin.

Property investment company will return proceeds to shareholders in share buy-back scheme

AIB is to sell a loan portfolio to Cerberus.

Portfolio is mostly made up of buy-to-let loans across 5,000 assets

Steven Spielberg speaks during an event launching Apple TV+. Photograph: Noah Berger/AFP/Getty Images

Apple TV+ has joined the TV-on-demand market. But be choosy about what you sign up to

‘[If] you’ve got a lot of stuff bundled into your 30s, you’re condensing too much into a short time frame.’ Photograph: Getty Images

‘What we’re doing now in our 30s, our parents did in their 20s’ – here’s how to compensate

Former FAI chief executive John Delaney  had his monthly rent of €3,000 paid for by the soccer association. Photograph: Ryan Byrne/INPHO

Tax authority clarifies how employees must account for free accommodation

Ireland’s largest private landlord has acquired 118 homes in north county Dublin.

Move will take more properties out of the first-time buyer market and into the rental market

Financial services group IFG has been valued at about £206 million.

Epiris to acquire financial services group IFG in takeover deal valued at £206m

The Act will offer opposite-sex couples the same financial benefits as those enjoyed by married couples, including sharing tax bands, transferring assets tax advantageously, and enjoying the same inheritance benefits as married couples.

New UK Bill will help cohabiting couples to save hundreds of thousands in tax

Whether you opt for an approved retirement fund (ARF) or an annuity might also be a factor of how much of a tax-free lump sum you can get

If you haven’t yet thought about what to do with your retirement fund, here’s some advice

This 1962 Ferrari 250 GTO was sold for $48.4 million last year.

Wealth report reveals the Irish are still getting richer but the pace of growth is slowing

A new survey shows that you could now live in Paris for less than Dublin.

Average expat rent for a three bed in Irish capital is now €3,406

The proposed British tariffs include 53 per cent of the existing EU rate on beef. Photograph: Brenda Fitzsimons

IFA warns proposed UK tariffs could cost Irish beef sector almost €800 million

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