Typically, mortgage calculators are based on income rather than rental capacity. Photograph: iStock

Potential buyers can work out how much of a mortgage they could afford

An increase in the PRSI rate of 4%  to 4.5%  would see someone earning €50,000 pay an additional €250 in PRSI a year, or someone earning €100,000 an additional €500 a year

Department of Employment Affairs and Social Protection says rise in PRSI could be used to pay for Ireland’s welfare regime

New CSO figures show Dublin homeowners who bought in the bust will have seen their property almost double in value

Crowds arrive last year for the Electric Picnic festival in Stradbally, Co Laois.  Photograph: Niall Carson/PA

If you’re volunteering at Electric Picnic, MoneyConf and Body & Soul you might wonder would you be better off just paying for your(...)

People should be able to build their own homes cheaper, IPAV says.

IPAV says increase in stamp duty ‘adversely affecting’ affordability of one-off houses

Barclays Bank Ireland recently moved into its new headquarters at One Molesworth Street. Photograph: Bryan Meade

UK bank moving ownership of European branches to Dublin, bringing €250bn in assets

At House of Fraser’s Dundrum outlet signs have been erected saying the retailer will no longer be able to accepting gift cards or vouchers as a form of payment “until further notice”.

Decision follows UK chain entering administration

Aryzta said it would raise the cash by issuing new shares, giving the right to current investors to buy the stock in proportion to their existing holdings

Irish-Swiss baker seeking to reduce €2bn debt as group’s value falls by €420m

Cherub and sphinx statue in the gardens of the Palace of Versailles near Paris.

Many Irish tourist spots charge more than more famous global counterparts

This property in Booterstown is on the market for €1 million - so a million of these would give you €1 trillion.

How much is a $1 trillion? Enough to buy every man, woman and child a house in Ireland

Smurfit Kappa is performing well. Photograph: Jason Alden/Bloomberg

Move comes on back of a strong first half performance for paper and packaging giant as well as good fundamentals in the sector

Last month Paddy Power Betfair merged its US unit with New York-based FanDuel, giving it 61%  of the merged business in exchange for assets and €135m cash. Photograph:  Paddy Power Betfair/PA Wire

FanDuel Group has linked up with Boyd Gaming in partnership to deliver sport betting and online casino markets in the US

Herbert Diess, chief executive officer of Volkswagen Group. The company posted a forecast-beating 23 per cent rise in underlying quarterly operating profit on Wednesday. Photographer: Rolf Schulten/Bloomberg

New anti-pollution rules cloud the sales outlook for German carmaker Volkswagen

Bank rejection rates for SME loans and/or overdrafts in Ireland are more than twice the rates in comparator countries, the Central Bank said.

Three lenders account for 86 per cent of new lending flows in first quarter

Business conditions remain strong for Smurfit Kappa. Photograph: Jason Alden/Bloomberg

‘We can deliver value,’ says Ken Bowles as company reports 5% rise in revenues

Raisin.com said it was “working intensively on finding a solution for Irish savers”.

Pan-European player Raisin.com readying second assault on Irish market

Unemployment stood at 5.1 per cent in July, unchanged from June but down from 6.8 per cent in July 2017, CSO figures show. Photograph: Frank Miller

Youth unemployment continuing to decline, latest figures show

The European Commission has cleared Total Produce’s €260 million investment in Dole. Photograph: Alan Betson/The Irish Times

Irish fruit distributor will take 45% stake in US rival earlier than expected

Hibernia Reit chief executive Kevin Nowlan’s base salary increased 50 per cent to €450,000. Photograph: Tom Honan

Property investment company targets sharp uplift in income as it readies rent reviews

Asset classes: Residential property, deposit income, commercial investments and shares have over the years exceeded and fallen short of expectations.

If you had invested € 10,000 in a house or in shares back in 1990 which would be worth more today? And what if you had waited unti(...)

Leeds Building Society: launched in Ireland in 2006, it had a branch on Pembroke Street with two staff. It had 427 savers, with deposits of some €36 million.  Photograph: Leeds Building Society/PA

Leeds Building Society gives Irish savers two months to find new home for their deposits

Kepak said the deal was also “both a Brexit and a currency hedge for the existing and the new Irish-UK businesses”.

Irish meat group acquires red meat operations of UK food group 2 Sisters

New lending at BOI  rose by 16 per cent to €7.7 billion in the first half of the year, driven by mortgage lending growth. Photograph: Cyril Byrne / THE IRISH TIMES

Bank has €5.9bn of home and business loans on its books that have fallen into arrears

Buying that dream home can prove a fraught experience. File photograph: Getty Images

From booking deposits to contracts - and what could and should be done before the sale

The “real” value of deposits has diminished, as the purchasing power of people’s money decreases in line with inflation. Photograph: iStock

A saver with €10,000 on deposit could lose €90 by next year if inflation rises as forecast

The rise of co-working spaces is shaping Ireland’s office market. Photograph: iStock

With new-home construction picking up and a healthy commercial property market, the housing shortage is showing signs of easing

Does it still make financial sense to buy before you fly?

Are there still savings to be made at the airport or is duty-free zone shopping simply a way of getting a bored audience to part w(...)

Survey on family finances shows saving a deposit is biggest challenge, while Generation X is still struggling

The risk profile of newer buy-to-let lending has been mitigated, Central Bank research finds. Photograph: iStock

Products fuelled buy-to-let speculation in the boom, leaving many investors with bad loans

New orders received were the best seen in 2018 so far, with higher growth from both domestic and overseas customers. Photograph:  Robbie Reynolds

Investec’s PMI report shows expansion will continue on the back of stronger growth in export markets

The Law Society recommends that, if such a house is sold as someone’s main residence, the proceeds should be assessed on the same basis as if the house had not been sold. Photograph: Eric Byrne

Solicitors’ group also wants formal technical consultation period between budget and Finance Bill

The number of tax-exempt earners is up  35,500 “units”, or about 4%, on last year, which  means that more than one in three Irish residents (37%) who earn an income will be exempt from paying income tax on it

Some 29% of income earners will not pay USC or income tax this year

All the info you need on visas, jobs, schools, healthcare, insurance and more

 Philip Lane, governor of the Central Bank of Ireland at “The Euro at 20” conference hosted by the bank in Dublin. Photograph: Conor McCabe Photography.

Move could make it more difficult and expensive for putative home buyers and borrowers to get access to finance

Relaxing in the summer sunshine: Make sure you don’t have all your pension pots in one place or it must all be retired at the one time.

Retirement, pensions, investments and nursing homes: plan for your old age

Out of 209 cities included in Mercer’s annual cost of living survey, Dublin was ranked as the 32nd most expensive. Photograph: Getty

Soaring rents cause Irish capital to overtake Paris in Mercer’s annual cost of living survey

Aryzta, the Cuisine de France maker, issued a fresh profit warning, sparking fresh concerns about management’s ability to restructure the group and uphold its banking covenants. Photograph:  Nick Bradshaw

Rhona O’Brien will join embattled Swiss-Irish baked goods company in September

Roscommon: 14 Acres Hill, Ballinameen, Roscommon Town. Sold: €71,000; Salary needed to buy: €18,321

You can buy a house in Longford on minimum wage. In Blackrock, Co Dublin you’ll need to earn a salary of €166K to buy a typical ho(...)

Lenders will be required to tell Irish mortgage holders how they can save money with them.

Regulator also cracks down on cash-back incentives by forcing lenders to remove ads

Some 321 homes were taken into possession during the first quarter of the year, according to the Central Bank.

Central Bank says bad weather prevented people getting to banks to make repayments

The conveyancing process is archaic and no longer fit for purpose, according to the Law Society

Move seeks an amnesty on residential properties built outside of planning regulations more than seven years ago

Central Bank governor Philip Lane said the global economy was resilient enough to withstand current trade tensions. Photograph: Nick Bradshaw

Price growth will dampen as housing supply picks up, Philip Lane says

Debenhams said group like-for-like sales fell 1.7 per cent in the 15 weeks to June 16th.

Retailer, which has 11 outlets in Ireland, blamed poor trading on increased competitor discounting and weakness in key markets

Photograph: iStock

With mixed performance, should investors look for the escape hatch?

The ESRI says house price increases are more significant at the lower end of the market. Having fallen by most in the bust, “cheaper” houses have now rebounded much more rapidly. Photograph: Chris Ratcliffe/Bloomberg

ESRI urges Government not to cut taxes in budget as ‘well-targeted’ spending better

 Taoiseach Leo Varadkar during the official opening of AWS (Amazon Web Services) offices on  Burlington Road, Dublin, on Monday, where he  indicated that avoiding overheating in the economy would be a major priority of the budget. Photograph: Gareth Chaney Collins

Think-tank urges Coalition to avoid overheating economy but plays down fears of house-price bubble

Minimum investment on eToro is $200, and when investors get to the level of $10,000 they are assigned an account manager.

Traders on Israeli social trading platform earn additional fees when investors copy their trading strategies

Latest figures show Irish property prices rose by 13 per cent in the year to April, against a background of tight supply. Photograph: Aidan Crawley/Bloomberg

Prices to continue rising until supply increases to meet demand, economist says

Yew Grove said the purchase price of €29 million reflects a net initial yield of 6.5 per cent.

Property investment company raised €75 million in stock exchange flotation earlier this month

Datalex chairman Paschal Taggart said on Monday that trading performance to date in 2018 has been “in line with expectations”. Photograph: Bryan O’Brien

Travel software company eyes opportunities in the travel loyalty market

HKC is a manufacturer of alarms and cloud based monitoring solutions.

Security solutions firm sold for sum believed to be considerably in excess of company value of €21.5m

AIB is one of the institutions that could fare the worst if the PAC’s plans for a sunset clause on losses is introduced. Photograph: Cyril Byrne/The Irish Times

Oireachtas committee reiterates call to introduce sunset clause on losses

Warren Buffett: his Berkshire Hathaway’s €90 million loan in 2015 paved the way for VHI to be authorised. Photograph: Rick Wilking/Reuters

State-owned health insurer will save €8.1m a year in interest payments

Government policy has contributed overall to an increase in prices in rent, says Dermot O’Leary of Goodbody Stockbrokers. Photograph: iStock

Rising HAP payments seen by some as another inflationary pressure on rental market

Aer Lingus Regional routes from Dublin to Edinburgh, Dublin to Glasgow, Dublin to Newquay and Cork to Manchester will gain an additional 70,000 seats. Photograph: Maxwell’s

Dublin-Kerry route will have an increased seat capacity of 30% for this winter

Delicate balance: Did a spouse sacrifice work opportunities for their family and partner? Should they be expected to get back into the workforce if they took time out to raise a family?

Away from fraught emotion, equity and bank balances direct the dissolution of marriage

The Government won’t be banking on a tax boon from deposits this year. Photograph: Ivan Bliznetsov/Getty

Exchequer collected just €118m in 2017, down from €654m in 2008

 Keywords  now has up to 5,000 people working across 42 locations in 20 countries.

Irish video gaming firm is going to Hollywood with latest acquisition

Ireland’s debt burden is still among the highest in the OECD, says the Irish Fiscal Advisory Council

Government urged to avoid unnecessary spending in this year’s budget

 Giuseppe Conte is leading Italy’s  first populist government. Photograph: Fabio Frustaci/ANSA

Formation of new government halts bond sell-off but risks to Irish pension savers remain

Married couples with one earner can earn up to €43,550 before moving into the higher tax bracket.

Unmarried partners face punitive tax rates on pensions and the family home

Staycity chief executive Tom Walsh, whose goal is to grow the aparthotel business from 2,000 units to 15,000 over the next four years. Photograph: Nick Bradshaw

Staycity co-founder Tom Walsh is busily expanding the business and has no plans to sell

The ‘gifted’ property could be a holiday home or investment property. Photograph: Yui Mok/PA Wire

Property worth more than €800m given tax free since 2011

Shanagarry Chimney in Dublin’s Milltown is one of the eye-catching lots in the BidX1 online auction, with a reserve of €35,000, and an income of €13,880 a year.

Almost 500 potential buyers expected to bid at Ireland’s largest ever property auction

houses use

From D4 to D 24: In 1995, a teacher could have bought a two bed terrace in Dublin 4; now shrinking affordability means that they'r(...)

Minister Regina Doherty with Tim Duggan, assistant secretary at the Department of Employment,  at the launch of the public consultation on State pension reform. Photograph: Cyril Byrne / The Irish Times

Under proposals, a person may need 40 years of contributions to be eligible

Under the Motor Insurance Directive, the EU has proposed that electric bicycles of 25km/h – 250W, Segways and electric scooters would all now be required to have third-party insurance in Europe.

Proposal is ‘EU bureaucracy gone mad’, MEP Brian Hayes says

Moody’s also noted Ireland’s “unusually high degree of economic volatility”, due in large part to the presence of multinationals. Photograph: Scott Eells/Bloomberg

Growth forecast for Irish economy upgraded to 5% but house prices ‘warrant close monitoring’

Hampton Wood in Finglas, Dublin, where one-bed unfurnished apartments are to hit the market at €1,500 a month

No rent controls for Ires Reit at Hampton Wood after it pays €40m for 128 apartments

“It’s getting to the time of year when housing estates come alive to the chatter of foreign-language students.” Photograph: iStock

New language schools have sprung up to teach students keen to learn English, students who will pay up to €600 a month for a room

Justin Keatinge:   Set up Carnivan Bay Hospitality last June with his wife, Maureen Stuart,   apparently looking to emulate the experience of other short-term holiday let specialists such as Staycity, Canbe, and the Key Collection.

Justin Keatinge applies to convert Leeson Street office to six-suite tourist accommodation

Survey shows price of housing reflects not only dwelling itself but nearby amenities

Rooms for sale at the Grand Canal Hotel. Photograph: Cyril Byrne

Grand Canal Hotel in D4 has two rooms plus parking package on offer for €325,000

Internet gaming software firm GAN has raised £7.5 million.

US Supreme Court announced decision to lift the Federal Ban on sports betting last week

Titanic stopped off at Cobh, Co Cork, in 1912 before steaming west on its maiden voyage towards the United States.

Each trip to include three hours exploring wreck of doomed vessel in a submersible

 Representations of the Ripple, Bitcoin, Etherum and Litecoin:  trading in crypto currencies continues to grow in popularity as investors look to benefit from extreme volatility.  Photograph: Reuters/ Dado Ruvic/Illustration

Bitcoin, litecoin and other cryptocurrencies are exempt from VAT but any gains will be subject to tax at 33 per cent

DPS to provide engineering and construction services for pharmaceutical giant AstraZeneca

A Rolling Stones mural on the side of JJ Smyth’s pub, a music venue on Dublin’s Aungier Street

Tickets went on sale in March for between €70.45 and €456

With deposit rates on the floor, an increasing number of savers are turning to investment funds for better returns.

Declining deposit rates and an increasing appetite for risk sees Irish investors turn to multi-asset funds

While low yielding, the beauty of deposits is that they are so risk free, particularly if you spread them around different banks.

With rates close to zero, there are several other options – but all come with risk

A new report from PwC claims cyber threats have replaced over-regulation as the top concern of 188 banking and capital markets chief executives around the world.

Hacker and virus threat usurps over-regulation as key finance CEO fear, PwC finds

Inheritance tax: the biggest earner for the exchequer continues to be from those benefiting from a category B threshold, such as parents, brothers, sisters, nieces, nephews, grandparents and grandchildren

New figures show recovery in household wealth and property prices driving the tax take higher

Parkside on the Malahide Road, where Cairn Homes has just launched a range of apartments and duplexes from €285,000.

Wait a year to buy and new three bed home will cost you €25,000 more Investec research shows

Last year AIB set up a new holding company to meet new European rules on minimising taxpayers’ exposure to ailing lenders in future. Photograph: Paul McErlane/Reuters

Regulator gives bank target on ‘bail-in-able’ debt

Feargal Mooney, left: Mr Mooney’s departure follows that of CFO Mari Hurley, who said in December she would leave the business in the first half of this year.    File photograph: Dave Meehan

Former Expedia executive Gary Morrison to become chief executive on June 11th

With sales of some € 119 billion going through its Irish operation, Apple is Ireland’s largest company.

US gadget giant powers ahead of second placed CRH to take the top spot for the first time

‘Looking back on my younger self, I would probably focus even more on learning from both successes and failures and not sweat the small stuff!’ Siobhan Talbot, managing director, Glanbia

Winners of The Irish Times Business Person of the Month Award, on what leadership is, who they are influenced by, and what alterna(...)

Michael McGovern  and Ciarmhac O’Fionnagáin, both 14, from O’Carolan College, Nobber, in Brussels where they represented Ireland in the European Money Quiz 2018.

Michael McGovern and Ciarmhac O’Fionnagáin beat pupils from 23 other countries

Axa is to take an initial 50 per cent stake in a portfolio of Dublin properties which includes units in the Clancy Quay development. Photograph: Eric Luke

French asset manager links with Kennedy Wilson for stake in 1,173 Dublin properties

Companies are still considering their post-Brexit options. Photograph: Stefan Rousseau/PA Wire

Principal Global Investors is applying for a MiFID license in Ireland

 Mr Moynihan joins First Trust from AIB, where he held a number of key posts. Photograpg: Alan Betson

Adrian Moynihan joins First Trust from AIB

It has become much more difficult for today’s 20-somethings to buy their first home.

A guide to the financial issues facing young people and what they can do about them

One of the most famous “accidental Americans” is UK foreign secretary Boris Johnson. Born in New York, he was required to pay tax on the profits of a sale of a UK property to the IRS some years ago – even though no such tax was liable under the UK regime.

If you’re a US citizen living in Ireland you could be liable to US tax

The Ocean Cove, overlooking Moore Bay and close to Kilkee Golf Club, closed some six years ago and has lain vacant since

Fifty-bed Ocean Cove Hotel to be turned into 18 apartments and fishery museum

The Irish had the highest labour productivity among EU states in 2016. Photograph: Eric Luke

CSO study also reveals Ireland is the most productive nation in the EU

64 Harbour View, Dún Laoghaire What: Two-bed apartment Price in 2005: From €390,000 Asking price now: €440,000

For property prices nationally it’s 2005 again - but can this price growth continue?

New homebuyers recently queued for days to secure a home at Beechwood Heath in Clonsilla, Dublin 15, with prices starting at €300,000.

Research shows challenges faced by average earners looking to buy the average house in the capital

Optal is one of Europe’s fastest growing tech companies.

Payments start-up Optal to employ five people in Dublin

On April 17th, the Revenue published a brief examining the tax treatment on income earned from short-term lets. Photograph: John Macdougall/AFP/Getty Images

Hosts won’t be able to offset certain annual expenses against their annual tax bill

The number of first-time buyers receiving mortgage approval fell by 11 per cent in the year to March

First-time buyers/trader uppers and downers appear to be hit by changes to lending rules and tight supply

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