Minister for Finance Paschal Donohoe has little room to manoeuvre. Photograph: Niall Carson/PA Wire

Brexit has sucked the life out of the impending budget

Even if credit is readily available, don’t seek it out unless it’s absolutely necessary

From picking the right bank to avoiding big debt, take a prudent approach to college

Cigarettes were cheaper in the Republic in August, survey finds. Photograph: Eric Luke

Cigarettes and diesel are cheaper in the Republic, new Revenue price survey finds

A Tullow Oil drilling site in Kenya. Photograph: Baz Ratner/File/Reuters

London-listed Irish explorer opens new upper tertiary oil play in Guyana basin

Barryroe is about 50km off the south coast of Ireland.

Survey was completed ‘ahead of schedule and under budget’

The average total weekly pension income in 2010  was €280 for women and €433 for men. Photograph: iStock

Gender pension gap of 35% among Irish men and women raises policy concerns

With chaos reigning in Westminster, would it be prudent to put off the budget until there is more certainty on the Brexit front? Photograph: Facundo Arrizabalaga/EPA

EU rules require certain amount of fiscal planning but detail could be delayed until after Brexit

You can opt for a drop in salary without suffering a similar percentage plunge in take-home income

Rather than bring in new measures, Minister for Finance Paschal Donohoe should focus on enhancing existing ones in this year’s budget, the BPFI have said. Photograph: Alan Betson

Increase limit on EII and extend tax relief for entrepreneurs, says banking association

Peter Keeling, Founder and CEO of Diaceutics. the firm reported revenues of £4.4 million (€5 million), up by 34 per cent on the same period in 2018. Photograph: Kelvin Boyes

Outlook for the Irish data analytics company for the year remains unchanged

A Revenue spokesman says the agency  prepopulated information into tax returns since 2011, ‘to assist taxpayers to meet their filing obligations’. Photograph: Nick Bradshaw

Landlords will find less scope to downplay income earned – and tax owed – in 2018 return

Carbon Capture and Storage (CCS) prevents emissions from entering the atmosphere and causing climate change, by storing them safely underground. Photograph: John Giles/PA Wire

Irish semi-state to explore potential for Irish carbon emissions to be exported and stored in the North Sea

Bids start at €110,000 on September 11th for this large family home in Johannesbourg, South Africa.

Digital property platform plans to roll out its service in Portugal, Greece and Italy next year

While banks in France are offering mortgage rates of less than 1 per cent, Irish rates are still stubbornly above 2 per cent, and in many cases above 3 per cent.

Switching to a cheaper mortgage can boost household finances by a significant sum

As the UK faces some crunch decisions on the future of its relationship with the EU, Irish customers of UK banks are being urged to prepare for a no-deal outcome. Photograph: Neil Hall/EPA

If UK crashes out of EU some banking services could be withdrawn from Irish-based customers

Minister for Finance Paschal Donohoe: severely constrained this October. File photograph: Alan Betson

Budget likely to deliver savings of a ‘couple of hundred’ euro a year at best for taxpayers

Rising rents are causing ever more problems for those locked out of the housing market.

Rising rents mean that many now despair of ever being able to buy a property

Deloitte also expects ‘a slight increase’ of about €10,000 to €20,000 in the tax exempt threshold enjoyed by children on inheritances and gifts from their parents.

Tax cuts for lower paid could be funded by raising burden on those earning €100,000 and more

An impression what the Decathlon outlet in Ballymun could look like when it opens in April

French sports retailer may follow up with stores in Cork, Galway, and Waterford

Tullow Oil has called a halt to its farm-down agreement with Total and CNOOC in Uganda.

Irish explorer cites lack of agreement with Ugandan government over tax terms

Revenue figures show that almost 800 workers availed of the Sarp regime in 2016. Photograph: Nick Bradshaw

Under EY scheme relocating workers would pay less than Irish on income over €75,000

It’s hard not to feel sympathy for the 12,400 or so investors in  Irish Forestry Funds who have received substantially less than they had expected. Photograph: iStock

Analysis: A group of Irish forestry funds have failed to deliver for investors

The sale of the 10,000-acre portfolio by Irish Forestry Funds last May has raised the ire of some of the investors in the forestry funds. Photograph: iStock

Disappointed investors complain about lower-than-expected returns

How to handle an old pension will depend on whether it’s a defined benefit or defined contribution scheme

Fiona Reddan: Taking charge of old pensions can be as key as managing your current one

Computer image  of Heathfield in Finglas: house appears to be  Dublin’s only new three-bed home for less than €300,000.

Despite intentions, plan must be scrapped if it is not helping lower-income earners

Ollolai, Italy: 'Casa a 1 euro', or 'houses for €1', is a scheme aimed at luring new residents, which allows them to buy a house for the princely sum of just €1.

If you are fed up with Ireland's high cost of living, you can always consider these options

AIB customers were having similar problems with its credit card system

Negative Danish mortgage rates might sound good, but it’s not quite  free money

Irish homeowners will benefit from lower interest rates, just don’t expect negative rates

Fergal McGrath, chief executive of Dilosk: the company says it has not been sanctioned by the Central Bank for this error, but that it is liaising with both the regulator and the Data Protection Commission .

ICS Mortgages wrongly identified more than 1,000 of its mortgage customers to the new credit register as having distressed loans

Minister for Finance Paschal Donohoe: In Budget 2020, at best he will be just adjusting for inflation.  At worst, he’ll actually be increasing your tax burden. Photograph: Jonathan Brady/PA

Watch October’s budget – adjusting taxation bands for inflation does not erode the burden

Increasing duty on a pint by 10 cent would collect a further €68 million a year, according to  Revenue estimates. Photograph: Dara MacDonaill/The Irish Times

Revenue identifies and costs numerous revenue-raising measures ahead of Budget 2020

Minister for Finance Paschal Donohoe is understood to have  already allocated €2.1 billion for items including public pay rises, infrastructure and the National Broadband plan. Photograph: Jonathan Brady/PA Wire

Minister for Finance understood to have a budget-day package of about €2.8bn

5 Hanover Quay: located on a prime waterfront site at the heart of the Dublin docklands

German-based fund manager acquires fully let office property for ‘just over’ guide price

Tullow is pleased with progress in Guyana.

London-listed explorer says Guyana well has richer-than-expected oil bearing deposits

Presenter Ryan Tubridy on the set of The Late Late Toy Show 2018 with some of its young stars.  Photograph: Nick Bradshaw

What’s the breakdown between TV, radio, online, governance, collection?

Chris Paul: “I genuinely think the Irish consumer is underserved”

Lender born out of MBNA ‘at the start’ of leveraging relationships, says CEO Chris Paul

Those living in more expensive parts of the State, such as Dublin or other urban areas, may well end up paying more for their property tax each year while If you live and work in an urban area you  will probably have to pay a higher car insurance premium.

Home and car insurance, life assurance, property tax can be affected by your address

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

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