Traders work on the floor of the New York Stock Exchange. Share purchase schemes are particularly popular with multinationals with a presence in Ireland. Photograph: Spencer Platt/Getty Images

Q&A: Dominic Coyle answers your personal finance questions

Fulfil has been doubling its sales each year and industry sources expect it to deliver consumer sales of close to €100 million this year.

Move offers Irish brand, founded in 2016, the chance to enter the lucrative US market

There is a difference between what you will pay in inheritance tax in France and in Ireland. Photograph:  iStockphoto

Q&A: Dominic Coyle

Eric Kinsella, chairman of Jones Engineering Group which is the lead sponsor for the Liffey Swim, with the commemorative medal commissioned from Robert Ballagh for the 100th running of the race. Photograph: Jason Clarke

Eric Kinsella and wife Barbara unveil commemorative award to laud unique city event

Truckmakers – who were previously found to be operating a cartel  – could face a bill of up to €200 million

Business Today: the best news, analysis and comment from The Irish Times business desk

A reader  wants to know where he  can check what Eircom shares he had. File photograph: Aidan Crawley/Bloomberg

Q&A: Dominic Coyle answers your personal finance questions

‘I have agreed to buy his half. Am I   liable for stamp duty?’ Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Almost all self-builds involve the applicants project managing the job but relying on skilled tradespeople to carry out much, if not all, the work. Photograph: Chris Ratcliffe/Bloomberg

Q&A: Dominic Coyle answers your personal finance questions

President and CEO of Takeda Christophe Weber  at the official opening of Takeda Ireland’s new cutting-edge manufacturing facility at its Grange Castle site in Dublin. Photograph:   Jason Clarke

Christophe Weber has overseen the $62 billion takeover of Shire and the opening of a new plant in Dublin

Takeda   has invested €40 million at Grange Castle to build a new plant . Photograph: Arnd Wiegmann/Reuters

Local waste facilities would be a good calling card for new investment, Japanese group says

Inflection Biosciences co-founder Dr Michael O’Neill, chief executive Darren Cunningham and Prof Bryan Hennessy, senior clinical lecturer at the Royal College of Surgeons. Photograph: Julien Behal

Dublin pharma development company’s drug blocks pathways used by cancer cells

Tax strategy is in focus.

Business Today: the best news, analysis and comment from The Irish Times business desk

Food supplement industry demands action. Labour Party leader Brendan Howlin with Irish Health Trade Association   member Alan Martin,   managing director  Jonathan Griffin and   general secretary Phil Costigan, outside Leinster House. File photograph: Maxwell Photography

Export report focuses on whether all should be taxed the same and at what rate

Mark Carney, governor of the Bank of England, is in the running for director general of the IMF. Photographer: Christophe Morin/Bloomberg

Business Today: the best news, analysis and comment from The Irish Times business desk

If the option exists to reduce four to three, it seems sensible to do this. Photograph: Getty Images

Q&A: Dominic Coyle answers your personal finance questions

Brian Hayes, CEO of Banking and Payments Federation of Ireland. Photograph: Alan Betson / The Irish Times

Business Today: the best news, analysis and comment from The Irish Times business desk

The drug Orkambi, made by Vertex Pharmaceuticals, was approved for use in the Republic after a campaign by people with Cystic Fibrosis  and their families. Photograph Nick Bradshaw

Breakthrough medicine Orkambi main factor behind 71% rise in sales

Arthur Ryan, second from left,  and Alma Carroll at the opening of Primark’s store in Boston in 2015, alongside Mayor Martin Walsh and  Primark chief executive Paul Marchant. Photograph: Josh Reynolds

Dublin man established Penneys and Primark as a major global fashion brand

Takeda chief executive Christophe Weber with Mary Buckley, IDA Ireland executive dIrector (centre),  and Minister for Employment Affairs Regina Doherty at the official opening of Takeda Ireland’s new cancer drug manufacturing facility at Grange Castle in Dublin.  Photograph: Jason Clarke.

Investment of €40m delivers first active pharmaceutical ingredient for Takeda outside Japan

Vascepa is aiming to become the first prescription drug for people at risk of stroke or heart attack who continue to have high levels of harmful blood fats despite being on treatment with statins

Strong increase in proft forecast on the back of sales of fish oil drug in the US

Minister for Finance Paschal Donohoe, left, and NTMA Chief Executive Conor O’Kelly. Photograph: Iain White/Fennell Photography

Business Today: the best news, analysis and comment from The Irish Times business desk

Irish Pharmaceutical Healthcare Association says: “We should reflect on a version of the industry that inspires hope for human health, rather than a narrative too often skewed by misconceptions and narrow rows over price.”

PwC report on European drug sector highlights contributions to economy and society

The Workplace Relations Commission has issued a new proposal that further improves the terms on offer to workers based at two Pfizer plants  in Cork. Photograph: Andrew Kelly/Reuters

WRC awaits outcome of ballots on improved proposals to surrender final salary scheme

In the 1980s and early-1990s, endowments were as popular as tracker subsequently became. Rather than bear the financial burden of an annuity mortgage, customers  paid only the interest on their loan

Q&A: Dominic Coyle

 Former British foreign secretary Boris Johnson delivers a speech to Conservative party members at the leadership hustings in Birmingham. Concern remains about leadership in British politics, Chris Johns argues. Photograph: Andy Rain/EPA

Business Today: the best news, analysis and comment from The Irish Times business desk

The new market for Botox  is a boost for Allergan’s plant in Westport, Co Mayo, which is responsible for the manufacture of worldwide supplies of Botox. Photograph: Shannon Stapleton/Reuters

US drugs regulator the Food and Drug Administration has sanctioned wider use of the drug after a fast-tracked review of results fr(...)

 St Stephen’s Green Shopping Centre in Dublin

Business Today: the best news, analysis and comment from The Irish Times business desk

Rebuilding Ireland Home Loan: Minister for Housing Eoghan Murphy is seeking an additional €200 million per year for each of the next three years for the scheme

Q&A: Dominic Coyle answers your personal finance questions

Is it too late for my father to give his savings to his family? Photograph: Getty Images

Q&A: Dominic Coyle answers your personal finance questions

‘Do I qualify as a first-time buyer?’ Photograph: Getty Images/iStock

Q&A: Dominic Coyle answers your personal finance questions

File photo.  Photograph:  Dominic Lipinski/PA

Q&A: Dominic Coyle answers your personal finance questions

Sean Dunne leaves the US Federal Court House.  Photograph: Douglas Healey

Business Today: the best news, analysis and comment from The Irish Times business desk

Following the divorce, your stepdaughter no longer has any category A rights to your estate. File photograph: Bryan O’Brien

Q&A: Dominic Coyle answers your personal finance questions

Pensions are hard to understand, partly because levels of financial literacy are generally low, ESRI research for the Pensions Authority has found.

ESRI research points to problems that undermine successful saving for retirement

The FDA grants priority review only to drugs that have the potential to offer significant improvement in the treatment of serious conditions.

Irish company’s Vascepa on track for earlier than expected approval

Exit tax is seen as a payment credited to you against any final tax liability upon your eventual exit from the fund. Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Finlay McFadyen, head of investment banking, AIB Group; Fountain Healthcare partner Dr Manus Rogan; and Andrew McDowell, vice-president, European Investment Bank. Photograph: Nick Bradshaw

Group beats €100m target and intends to invest the bulk of the fund in Europe and US

Confidence is strongest in the dairy sector, with 90 per cent of businesses saying they are either confident or very confident. Photograph: Getty Images

Survey finds Brexit and volatile prices the biggest challenges for sector

Amarin chief executive John Thero: ‘Our guidance is for 50 per cent greater growth over the prior year’

Clinical trials show Irish company’s fish-oil drug cut incidence of heart attacks and strokes

Some of Facebook’s lobbying efforts in Ireland are revealed. Photograph: Dado Ruvic/Reuters

Business Today: the best news, analysis and comment from The Irish Times business desk

Lauren  Whelan (15) from Loreto Crumlin in Dublin has SMA with Spinraza activists protesting outside Leinster House in Dublin in September 2018. File photograph: Garrett White/Collins Photo Agency

Biogen, maker of drug to treat spinal muscular atrophy, drops price of medicine

In many cases, the National Centre for Pharmacoeconomics  rules that new drugs are  not value for money at the initial price sought by the pharma company. Photograph: Alan Betson

Aidan Lyncht HSE should not be expected to pay for drugs that are not innovative

Business Today: the best news, analysis and comment from The Irish Times business desk

Enduring power of attorney  is a phenomenally powerful document. Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Cathal Friel, who has taken over as chief executive at Venn Life Sciences following an agreement to merge it with his company, Open Orphan. Photograph: Fennell Photography

Clinical trials group issues profit warning alongside results ahead of merger

 Cary Grace, chief executive of Aon’s global retirement and investment business.  Photograph: Nick Bradshaw

Cary Grace using psychologists to mark need for saving

Perrigo bought Elan eight months after the company had sold the Tysabri intellectual property.

Tax bill linked to sale by Elan of its stake in multiple sclerosis drug Tysabri in 2013

Photograph: Courtpix

Business Today: the best news, analysis and comment from The Irish Times business desk

Haven Mortgages is prepared to consider such cases. Photograph: Alan Betson

Q&A: Dominic Coyle answers your personal finance questions

Enduring power of attorney is a remarkably powerful instrument effectively giving someone else power to make decisions for a person when they are no longer capable of making those decisions. Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

 Photograph:  Yui Mok/PA Wire

Business Today: the best news, analysis and comment from The Irish Times business desk

A shopper carrying shopping bags. non-motor tetail sales grew at their fastest level in more than three years in March. Photograph: Dominic Lipinski/PA Wire

Business Today: the best news, analysis and comment from The Irish Times business desk

Is there any way a married person can independently apply for a mortgage? Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

You are free to give your stepchildren up to €3,000 a year on top of any similar sum given to them by your husband. Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Where there’s a will: an executor cannot be challenged for failure to move to settle the estate for the first 12 months after they have been appointed. This is called the executor’s year. Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Greencore proposed the return of value to shareholders after selling out of its US business for $1.075 billion  to American rival Hearthside Foods in a surprise move last year. Photograph: Cyril Byrne

Q&A: Dominic Coyle answers your personal finance questions

Liberian nurses carry the body of an Ebola victim in 2014. Vaccines were not available to victims of the epidemic, lobby group Access to Medicines Ireland says. Photograph: Ahmed Jallanzo/EPA

Access to Medicines Ireland seeks change in R&D approach of pharmaceutical companies

Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Avectas cofounder and chief executive Dr Michael Maguire, with cofounder Dr Shirley O’Dea, chief scientific officer and business development director Dr Gillian Hendy. Photograph: Iain White/Fennells

Avectas has now raised $20m as it looks to unlock potential of personalised medicine

Pilita Clark says dads just want more time with their children.

Business Today: the best news, analysis and comment from The Irish Times business desk

Ireland is, with France, the slowest of the wealthy western European states to approve payment for new medicines, according to a new survey by the industry.

Study examines access to 121 drugs approved since 2015 by EU regulator

Photograph: Frank Miller

Q&A: Dominic Coyle answers your personal finance questions

All the bank did was to issue you with one new share for every 30 you previously owned. Photograph: Frantzesco Kangaris/Bloomberg

The good news is there is no question of your stake having been watered down

Tax cuts promised for the next budget could become the first victim of a disorderly Brexit, the ESRI has warned. Photograph: Jack Taylor/Getty Images

Business Today: the best news, analysis and comment from The Irish Times business desk

If media reports are to be believed, many companies (and their investors presumably) have already priced in much of the anticipated disruption that is expected form a worst-case Brexit scenario

Q&A: Dominic Coyle answers your personal finance questions

Windfall gains can be a double-edged sword to people on benefits. Photograph: Getty Images

Q&A: Dominic Coyle answers your personal finance questions

Business Today: the best news, analysis and comment from The Irish Times business desk

About a billion packs of medicines cross the UK-EU border each year.

Pharma chief says 45 million packs of medicines a month move from UK to EU

The US authorities expect citizens to file tax returns with details of their worldwide income, capital gains and any inheritances.

Q&A: Dominic Coyle answers your personal finance questions

Derek Young, founder and chief executive of i360 Medical, which has signed a collaboration agreement with EU health technologies innovation hub EIT Health. Photograph: Dara Mac Donaill

Derek Young’s group to identify breakthrough technologies in EU

There is no tax liability on any bequest to you from your former husband, so there are no legal grounds that I can see for your husband’s solicitor withholding 15 per cent of the bequest to cover tax

Q&A: Dominic Coyle answers your personal finance questions

As a general rule, you are not allowed do anything to artificially inflate a capital loss. Photograph:  Nick Bradshaw

Q&A: Dominic Coyle answers your personal finance questions”

Non bank lenders could squeeze mortgage rates.

Business Today: the best news, analysis and comment from ‘The Irish Times’ business desk

Drugs developed  by major pharma companies, including Pfizer, Amgen, AstraZeneca and Johnson & Johnson’s Actellion business, are among those that have now secured approval. File photo. Photograph: Simon Dawson/Bloomberg

Medicines generally blocked on basis of price as Ipha says delay ‘unacceptably long’

Photograph: iStock

Business Today: the best news, analysis and comment from ‘The Irish Times’ business desk

If the house with the loss was your family home, you cannot offset the loss now or at any future time.

Q&A: Dominic Coyle answers your personal finance questions

‘I am a first-time buyer and am looking to self-build a small two-bedroom home with my fiance on a small corner site.’ File photograph:  Getty Images

Q&A: Dominic Coyle answers your personal finance questions

Sam Bailey from Rathcoole, Co Dublin, his father Paul, mother Fiona and sisters Kayla and Sarah, protesting  over the HSE’s decision not funding the drug Spinraza, outside the Dáil on Thursday. Photograph: James Forde

Spinraza is the latest in a series of controversial drugs that have put Ireland’s unique approval system in the spotlight

Spinraza activists protest outside the Dáil in Dublin. The drug is used to treat people suffering with spinal muscular atrophy. Photograph: Garrett White/Collins Photo Agency

Pharma body says less than one-third of medicines for rare diseases licensed for patients in Europe are available in the Republic

The High Court has ordered Roadstone to allow inspection of three Dublin quarries in the hunt for the source of pyrite that has damaged new homes. Photograph: Cyril Byrne

Business Today: the best news, analysis and comment from ‘The Irish Times’ business desk

 France’s minister of the economy and finance Bruno Le Maire speaking at the Institute of International and European Affairs in North Great Georges St.Photograph: Alan Betson

Business Today: the best news, analysis and comment from ‘The Irish Times’ business desk

Can the bank legally keep these deeds as the apartment is worth more than the loan on it? Photograph: iStock

Q&A: Dominic Coyle answers your personal finance questions

Pharmaceutical companies have rejected allegations that they are pursuing “predatory pricing” for new medicines. Photograph:  Getty Images

Row between industry and body that advises the HSE over access to market for new medicines

Perrigo says it believes a tax assessment issued last November for the year 2013 is incorrect as a matter of law.   Photograph: Adam Bird/Bloomberg via Getty Images

Revenue should not have issued notice of amended assessment of liability, firm says

Medtronic chairman and chief executive Omar Ishrak. He said Crospon was doing well. Photograph: Brendan McDermid/Reuters

Leading medical device manufacturer says operations will move to other plants, including one in Galway

Lauren Whelan (15), from Lorretto Crumlin who is an SMA sufferer with  Spinraza activists portesting outside the Dáil. Photograph: Garrett White/Collins

Health body has informed patients and Biogen it will not sanction use of Spinraza

Women continue to snub pensions in large numbers. Ann O’Keeffe, head of individual life and pensions at Aviva, describes the “largely stagnant” figure for women saving for retirement as “worrying”.

Just 6% of respondents considered their pension a priority, finds research for Aviva

Phoenix acquired the insurance books of a number of companies that operated in the Irish market down the years, including Abbey Life and Standard Life.

Q&A: Dominic Coyle answers your personal finance questions

Datalex chief executive Aidan Brogan who has lost his chief financial officer after a matter of weeks. Photograph: Cyril Byrne

Business Today: the best news, analysis and comment from ‘The Irish Times’ business desk

Thousands of Irish people will have up to €2bn in pension funds unlocked next month when the Budget 2019 increase in the State pension takes effect.

Increase will bring the full contributory State pension to €12,911.60 per annum

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