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Richard Curran: Housing boom is different this time - high costs and rip-off rents mean it's far crueller

Thu, 19 Apr 2018 02:30:00 +0100

Another week and another government announcement aimed at tinkering around with a broken housing market.


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Action group calls for insurance fraud garda unit to be set up immediately

Thu, 19 Apr 2018 02:30:00 +0100

Businesses are demanding that a specialist garda unit to investigate false insurance claims be set up without delay.


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BlueBay backers row into DunPort fund

Wed, 18 Apr 2018 02:30:00 +0100

ESB's pension scheme is understood to have backed DunPort Capital Management's new €283m fund as the alternative lender attempts to capitalise on an ongoing credit crunch afflicting SMEs.


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Rogue landlords now face €15k fines and prison terms under planned crackdown

Wed, 18 Apr 2018 02:30:00 +0100

Rogue landlords are set to face fines of €15,000 and potential jail terms under a planned Government crackdown.


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AIB 'fails to refund cash and lost trackers to thousands'

Tue, 17 Apr 2018 02:30:00 +0100

Banking giant AIB is accused of failing to refund most of those who lost trackers from its subsidiary EBS.


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'It's absolutely scandalous' - Protesters at Ideal Homes Exhibition target sponsors TSB over sale of mortgages to vultures

Sat, 21 Apr 2018 21:28:00 +0100

Demonstrators gathered outside the Ideal Homes Exhibition at the RDS Simmonscourt on Saturday to protest the event's main sponsors Permanent TSB.


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BoI has offered €130m in payouts to settle the bulk of tracker claims

Sat, 21 Apr 2018 02:30:00 +0100

Bank of Ireland customers have been offered €130m in compensation and redress payments so far in relation to the tracker mortgage scandal and most have accepted, CEO Francesca McDonagh said yesterday.


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Government liability hits €231bn for State pensions

Sat, 21 Apr 2018 02:30:00 +0100

A new study on the amount of pension money owed to employees by their employers and the State shows that most of it is accounted for by the State pension.


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Fall-off in claims puts pressure on insurance firms

Sat, 21 Apr 2018 02:30:00 +0100

THERE has been a fall in the number of claims made to the State body that handles insurance awards, raising questions about sharp rises in premiums.


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Financial lessons in First Communion

Fri, 20 Apr 2018 02:30:00 +0100

First Holy Communion is an important time for many families. And while the religious ceremony is, the church and schools will stress, the most important aspect, that won't stop parents spending hundreds of euro on their child's day.


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Former credit union official official barred from senior role in any finance firm

Wed, 18 Apr 2018 11:34:15 +0100

THE Central Bank has prohibited another former Rush Credit Union official from working in a senior role in financial services.


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Warning for savers to close RaboDirect accounts

Tue, 17 Apr 2018 11:13:21 +0100

SAVERS have been warned they will find it harder to access their money unless they act soon to shut their RaboDirect accounts.


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Brexit knocks £10k off London houses

Tue, 17 Apr 2018 02:30:00 +0100

Home prices in London are continuing to fall, prolonging a slump that's seen the average property in the English capital lose almost 2pc its value over the past year, new surveys show.


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'Asking someone to commit €100 to an event in 9 months is a big ask' - Ebay's ticket retailer StubHub on transforming Ireland's ticketing industry

Mon, 16 Apr 2018 14:41:56 +0100

Concerns over the speed at which tickets for popular events were selling out, and the resale of these tickets at hugely inflated prices on secondary sites, prompted a major inquiry by the Competition and Consumer Protection Commission (CCPC).


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Spend, save, invest or lend - It's time you started making those savings work for you

Mon, 16 Apr 2018 12:59:45 +0100

While mortgage holders are fretting over a possible rise in interest rates signalled by the European Central Bank, savers are hoping it will materialise, as they’ve been sitting on non-performing money for years now, afraid to move or spend it in the austerity years but knowing it’s earning nothing while they wait.


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Early Easter eases Storm Emma pain

Mon, 16 Apr 2018 02:30:00 +0100

Storm Emma slowed down household spending last month, but an early Easter gave food and drink retailers a healthy boost, according to Visa's Irish Consumer Spending Index.


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Secret cameras, hidden bunkbeds, windowless rooms - exposing Dublin landlord Christian Carter

Sun, 15 Apr 2018 02:30:00 +0100

TENANTS who lived above a Dublin pub have told how they lost their deposits, a "secret camera" was hidden in a bedroom, and the locks were changed before they had to be evicted.


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Financial survival at third level can be an education in itself

Sun, 15 Apr 2018 18:00:00 +0100

If you are looking to enter third- level education for the first time this year, your thoughts to date may well have been overwhelmingly focused on the choice of course or institution.


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Coffee, expensive peanut butter and Cos jumpers...Things Irish comedian Aine Gallagher could not live without

Sun, 15 Apr 2018 18:00:00 +0100

Aine Gallagher is an award-winning comedian and resident MC of the Bright Club, a science comedy night.


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How can I combine old pensions into one?

Sun, 15 Apr 2018 18:00:00 +0100

I have two old pensions from previous employers, one of which I was gently reminded about recently, which in turn prompted me to check another scheme I had nearly forgotten about.


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Rate rise to spur banks into action on troubled loans

Sun, 15 Apr 2018 18:00:00 +0100

A research paper co-authored by Central Bank deputy governor Sharon Donnery published last week showed that, from a peak of 32pc in 2013, non-performing loans had fallen to "only" 14pc of domestic Irish bank lending by the end of 2017. In money terms that was a drop from €80bn to €30bn, a reduction of €50bn.


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Feel the fear and invest anyway - despite worries over protectionism

Sun, 15 Apr 2018 18:00:00 +0100

Protectionism has jumped to the number one position in the long list of worries of investors around the world right now, according to surveys. But how worried should they really be? Investors weren't so worried after they got used to the idea of Brexit - which is essentially another form of protectionism. Investors weren't so worried even after US President Donald Trump was elected on a protectionist-leaning agenda.


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Charlie Weston: Tax-free return on State savings should be raised to discourage property investment

Sun, 15 Apr 2018 18:00:00 +0100

The lady was not for turning. She was adamant that property was the best investment, despite the country having recently emerged from one of the worst property crashes in the western world.


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Property prices rise by more than €100,000 in a year amid fear of Celtic Tiger-level hikes

Sat, 14 Apr 2018 02:30:00 +0100

AVERAGE house prices in some parts of the country have risen by more than €100,000 over the last year as the crisis shows no sign of easing.


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Clamour 'in crazy house market' has us back to bad old days

Sat, 14 Apr 2018 02:30:00 +0100

Within an hour of the doors opening at the gleaming show house at new estate Inglenook Wood, Carrickmines, six of the 10 properties are sold.


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Charlie Weston: Eager to buy? Join the queue for another four years

Sat, 14 Apr 2018 02:30:00 +0100

THE scenes of people camping out in the rain this week, for a chance to put a deposit down on a new house, were an ugly reminder of the property boom years.


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Home prices soaring at fastest rate in three years

Fri, 13 Apr 2018 02:30:00 +0100

Property prices are rising at their fastest rate in nearly three years.


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Irish Life workers protest over pension scheme closure

Fri, 13 Apr 2018 02:30:00 +0100

Around 100 Irish Life staff protested yesterday outside the firm's Dublin HQ at proposed changes to their pensions plan.


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Housing logjam: 80,000 people would buy immediately... but there aren't enough homes

Fri, 13 Apr 2018 02:30:00 +0100

TENS of thousands of people would be ready to move or buy a home - but too few new properties are being constructed.


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Family-owned Mash Direct land major deal with UK supermarket chain

Thu, 12 Apr 2018 08:02:38 +0100

County Down based Mash Direct has landed a new deal to supply one of the UK’s biggest supermarket chains, Waitrose, with their convenient vegetable side dishes.


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Large wage increases and 99,000 new jobs by 2019 - Central Bank

Thu, 12 Apr 2018 02:30:00 +0100

Wage increases will accelerate over this year and into 2019, outpacing rising living costs and leaving households better off, according to the latest research from the Central Bank.


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More buyers are 'prepared to camp out' to secure new house

Thu, 12 Apr 2018 02:30:00 +0100

Mother-of-two Victoria Duff, from Greystones, Co Wicklow, is among dozens of hopeful homebuyers who are desperately trying to buy a new house at The View at Glenheron before they go on sale this weekend.


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Family home for couple on 'average' income of €92,000 now out of reach

Thu, 12 Apr 2018 02:30:00 +0100

Affordable family homes cannot be delivered for couples earning a combined income of almost €92,000 a year, the Government has admitted.


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Til debt do us part - Sinead Ryan on unique places to get married

Fri, 13 Apr 2018 02:30:00 +0100

Prince Harry and Meghan Markle's nuptials next month have caused a flurry of wedding excitement but they're not alone. Heading down the aisle has made a post-recession comeback and weddings are more popular than ever.


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Camping out to buy a house was worth it- but it shouldn't be this way

Wed, 11 Apr 2018 10:53:40 +0100

The last time I had camped out to buy anything, it was to nab a stereo at a St Stephen’s Day sale in 1984.


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Housing crisis 'biggest economic and social issue' as 10pc price increase predicted - report

Wed, 11 Apr 2018 08:27:16 +0100

The lack of housing poses a “serious national challenge and threat” to the economy, a highly influential report warns the Government today.


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Revealed: How much extra each year renters pay to live near Dart and Luas stops

Tue, 10 Apr 2018 02:30:00 +0100

Renters who live near Dart and Luas stops in Dublin have seen the costs of accommodation rise.


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Pressure grows on AIB and Bank of Ireland to cut mortgage rates

Tue, 10 Apr 2018 02:30:00 +0100

AIB and Bank of Ireland are under mounting pressure to cut their mortgage rates - after three other lenders did so in recent weeks.


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Thousands risk losing their homes as they fail to confront long-term arrears

Tue, 10 Apr 2018 02:30:00 +0100

Thousands of people in long-term mortgage arrears are failing to engage with their lenders, new Central Bank research shows.


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Hiring a car on holiday can make the most of the trip away - but have some common sense

Mon, 09 Apr 2018 14:20:07 +0100

This time of year is popular for booking summer holidays abroad - especially with the weather we've been having.


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Enthusiasm for savings 'waning' as BoI investment index falls to lowest level since launch

Mon, 09 Apr 2018 07:45:54 +0100

Fewer people are saving their extra funds as recent rainy days may be blamed for a shift instead towards spending.


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Household spending will soar to record €100bn as economy surges and wages rise - Ibec

Mon, 09 Apr 2018 07:37:20 +0100

HOUSEHOLD spending is set to top €100bn this year for the first time as a resurgent economy fattens workers’ wallets, business group Ibec has predicted.


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PTSB adds fuel to mortgage war by slashing fixed rates for new business

Sun, 08 Apr 2018 12:36:11 +0100

Permanent TSB has reduced its rates on a number of its fixed rate mortgage products for new business.


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'I bought myself a shearling coat in Brown Thomas when I got my first book deal. It cost twice as much as my car' - Author Kate Kerrigan

Sun, 08 Apr 2018 13:30:00 +0100

The best-selling author, Kate Kerrigan lives in Ballina, Co Mayo, with her husband and children. She launched her latest book, That Girl, earlier this year. Kerrigan's first book, Recipes for a Perfect Marriage, was published in 2006. Other novels of hers include The Miracle of Grace and the award-winning It Was Only Ever You. Visit katekerrigan.org.


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Recovering deposit after cancelling contract

Sun, 08 Apr 2018 18:00:00 +0100

Q A sales agent rang to say his company was in my area doing house calls to upgrade the heating system in local houses. I made an appointment for them to come and agreed to sign up to have the work done. Since then, a neighbour told me some negative things about the company based on things he has heard in our neighbourhood and I don't want to go ahead. I have paid a €1,000 deposit. Where do I stand? Emma, Crumlin, Dublin 12


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How many paydays away from financial uncertainty if disaster strikes are you?

Sun, 08 Apr 2018 18:00:00 +0100

How ready are you for uncertainty? A recent survey by Irish Life found that half of people working in Ireland feel they are just three paydays away from financial uncertainty.


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Worth taking a bite out of growth-hungry Toblerone owner Mondelez

Sun, 08 Apr 2018 18:00:00 +0100

If you wanted to create a global biscuit and confectionery business, chances are you wouldn't start with a cigarette company, but strange as it may sound, the roots of Mondelez - the owner of brands such as Oreo, Chips Ahoy, Toblerone, Milka, and Cadbury - are exactly that.


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Gender pay gap began with my piggy bank

Sun, 08 Apr 2018 19:54:01 +0100

To be clear. I am very much up for gender pay equality. The more revealing reports on pay by companies, the better. But there are other things needed too in the push for parity - salary differentials are the final stage of a filtering process that needs to be tackled long before that point.


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Shave tens of thousands off your home loan - by overpaying what you owe

Sun, 08 Apr 2018 18:00:00 +0100

Higher mortgage bills are on the way - if, as expected, European interest rates start to tick upwards next year.


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Timber and glass boxes with sliding doors: Irish architects throw open the doors to their homes

Fri, 06 Apr 2018 02:30:00 +0100

As far as architects around the world are concerned, the Venice Architecture Biennale is widely regarded as the single most important design event on the planet. It's where the globe's leading designers, architects and influencers gather each year to showcase their work. This year all eyes will be on Ireland when the 16th exhibition kicks off in Venice in May.


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Over €1m weekly paid out to those injured or unfit for work last year - Irish Life

Thu, 05 Apr 2018 13:32:46 +0100

Over 3,000 employees in Ireland received income protection payments worth a total of €57m from Irish Life last year.


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Sinead Ryan: Avoid the bad trip - don't forget holiday insurance

Sat, 07 Apr 2018 02:30:00 +0100

After last month's snow, thoughts have turned to planning a holiday in the sun.


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'My worst job was weeding a 20-acre field of beet, by hand'

Mon, 02 Apr 2018 06:00:00 +0100

Mike Ross is a former Ireland and Leinster rugby player who is now commercial director with the technology company, Wizuda. He lives in Churchtown, Dublin, with his family. He and his wife have two children: a seven-year-old son and a three-year-old daughter.


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House prices up 50pc in space of five years

Sun, 01 Apr 2018 21:43:18 +0100

Relentless hikes in the cost of buying a home have resulted in house prices rising by more than 7pc in the past year, new research revealed.


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Can I wait until 65 to decide on pension?

Sun, 01 Apr 2018 18:00:00 +0100

Q I'm 57 and in a defined contribution pension scheme through work. Some of my colleagues are already talking about Approved Retirement Funds (ARFs) and annuities. Do I need to plan my retirement decisions now or wait until I'm 65? Imelda, Dun Laoghaire, Co Dublin


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Women must up their investment game for comfortable retirement

Sun, 01 Apr 2018 18:00:00 +0100

Saving for retirement years isn't easy for anyone, especially with low interest rates, inflation creeping back up, and what can feel like a challenging investment backdrop.


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Karl Deeter: Stop-gaps go against the advice but sometimes it makes sense to borrow short term

Sun, 01 Apr 2018 18:00:00 +0100

As a financial adviser we are constantly taught to advise people away from short-term debt, in particular for things that don't have any long-term value. The idea being that advice should instead focus on getting a person's general house in order and in turn they won't need short-term stop-gaps.


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Women are living longer but falling behind on pensions savings - plans to help them catch up on men are vital

Sun, 01 Apr 2018 18:00:00 +0100

Men are almost 40pc better off financially than women in retirement - making pensions one of the biggest, and probably the most serious, gender investment gaps in Ireland.


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Use 'Dermot Bannon effect' to get tax back on home improvements

Sat, 31 Mar 2018 02:30:00 +0100

They're calling it the 'Dermot Bannon effect', but it's far more likely to be the 'Revenue effect' which has seen Irish home owners spend €1.737bn through the Home Renovation Initiative since its 2013 launch.


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On top of the world in Dundrum

Fri, 30 Mar 2018 02:30:00 +0100

Perhaps one of the most remarkable sales of last year was the largely unnoticed disposal of no less than 18 penthouse apartments - along with seven other apartment units - at the Riverdale/Rockfield scheme in Dundrum, Dublin 14, right beside the Luas station and opposite the well-known shopping centre.


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Students in protest over 27pc rent hike at Dublin residence

Fri, 30 Mar 2018 02:30:00 +0100

DCU president Professor Brian MacCraith has called for regulations to deal with the "escalating and uncontrolled pricing" of the student housing sector.


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Paul Melia: Taxpayers' return on LIHAF investments far from clear-cut

Fri, 30 Mar 2018 02:30:00 +0100

On the face of it, the LIHAF (Local Infrastructure Housing Activation Fund) deals struck between local authorities and developers are a good deal for the taxpayer and those hoping to buy a home.


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Household savings in banks outstrip debts

Fri, 30 Mar 2018 02:30:00 +0100

Irish banks now have €10.2bn more on deposit from households than is loaned out into the economy, equalling the lowest loan-to-deposit ratio on record, according to new data from the Central Bank.


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Small change for buyers as builders handed State funds

Fri, 30 Mar 2018 02:30:00 +0100

Buyers will be given maximum discounts of less than 8pc off the price of a new home under a controversial scheme where developers receive State funding to help boost housing output.


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Number of completed houses up nearly 40pc

Wed, 28 Mar 2018 02:30:00 +0100

Almost 800 new housing units were completed in February this year, representing a 38pc increase from the same month last year, according to the latest Goodbody Housebuilding Tracker.


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Number of mortgages approved rose by 5pc year-on-year

Tue, 27 Mar 2018 11:54:48 +0100

The number of mortgages approved rose by 5pc year-on-year in February, with first-time buyers making up just over 50pc of the approvals.


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Number of completed housing units up almost 40pc in February

Tue, 27 Mar 2018 09:07:25 +0100

Almost 800 housing units were completed in February this year, representing a 38pc increase year-on-year, according to the latest Goodbody Housebuilding Tracker.


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Strikes threat at Irish Life in row over pensions

Tue, 27 Mar 2018 02:30:00 +0100

The largest pension provider in the State faces the threat of rolling strikes after Easter over its plan to close its workers' scheme, despite having a big surplus.


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House prices soar in commuter belt but flatline in the capital

Mon, 26 Mar 2018 09:38:39 +0100

HOUSE prices in the outer commuter counties have soared as people priced out of the Dublin market are being pushed farther afield in search of affordable homes.


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How banks could repair some of damage they have done - and are doing

Sun, 25 Mar 2018 18:00:00 +0100

A recent survey found that a third of people say they are still paying for the financial mistakes made in the past.


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Where now for investors as low-interest era finally ends?

Sun, 25 Mar 2018 18:00:00 +0100

Rising interest rates are changing the rules of the game for investors. Over the last decade, investors have largely been operating in an environment of record low interest rates - but these days are now coming to an end. European interest rates are expected to increase at some stage next year. Although it could be well into 2019 (if they do), any rate hike next year would be the first rise in almost seven years and most likely the beginning of a series of increases.


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Will I face double tax bill for Spanish job?

Sun, 25 Mar 2018 18:00:00 +0100

Q: I have lived in Spain since January 2017 where I work as a self-employed teacher. However, I worked in Ireland for some weeks during 2017, earning around €2,000 (PAYE income only). The same will happen this year. What are the tax implications of the few weeks' Irish work? I am assuming I don't need to declare either Spanish income in Ireland or Irish income in Spain? I am a little confused and I don't want to be double-taxed. Fergal, Barcelona, Spain


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'My dad said not to buy a car if I didn't need one'

Sun, 25 Mar 2018 18:00:00 +0100

The TV and radio producer Pat O'Mahony, appeared on RTE's First Dates earlier this month in a quest to find love.


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Developer praises fast-track planning scheme as 420 homes get the green light in Dublin

Sun, 25 Mar 2018 18:00:00 +0100

Developer Pat Crean's Marlet Property Group has been given the go-ahead by An Bord Pleanala for 420 homes on the site of CIE's former lands on Carnlough Road in Dublin's Cabra area.


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AIB accused of misleading customers on mortgages

Sat, 24 Mar 2018 02:30:00 +0000

AIB has been accused of misleading customers who were denied tracker mortgages by writing to them to tell them they would have paid more if they got a tracker rate.


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Home economics: Sinead Ryan answers your property questions

Fri, 23 Mar 2018 02:30:00 +0000

My husband and I are in our mid-fifties and have a mortgage of €185,000 with eight years left and we have savings of €100,000. Would you recommend that we pay the €100,000 off the mortgage or buy an investment holiday property in Spain and with the rental income pay more off the monthly mortgage, as it is our dream to commute from Ireland to Spain or could you recommend where we could invest the money for our retirement?


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This €1m former home of Ireland's boldest bag man has the floor space of 22 family homes

Fri, 23 Mar 2018 02:30:00 +0000

Marlfield at Clonmel in Co Tipperary, which was on offer in 2014 for €8m with 390 acres attached, has just returned to market, minus most of the farmland, for a much more managable €1m.


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Mortgage scheme for low earners involves 'significant risk exposure for the State' - Department of Finance

Thu, 22 Mar 2018 15:23:08 +0000

The Department of Finance warned that a Government-back mortgage scheme for low earners would involve risks for the State.


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PTSB chief defends bank's plans to offload owner-occupier loans to third party investors

Thu, 22 Mar 2018 10:03:44 +0000

Permanent TSB's chief executive Jeremy Masding mounted another defence this morning of the bank's plans to offload owner-occupier loans to third party investors, insisting existing legislation offers sufficiently robust protections to consumers.


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Ronan Daly Jermyn eyes Dublin expansion

Thu, 22 Mar 2018 02:30:00 +0000

Irish law firm Ronan Daly Jermyn will hire 25 people over the next two years for its Dublin office as part of an €8.3m expansion plan. The expansion includes the recent opening of its Dublin base at George's Dock in the IFSC.


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New mortgage lending exceeds repayments

Thu, 22 Mar 2018 02:30:00 +0000

Net mortgage lending increased in the second half of 2017 - the first half-yearly increase since the crash, as new lending outpaced repayments and restructurings.


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Donohoe knew about PTSB sale of mortgages to vultures

Thu, 22 Mar 2018 02:30:00 +0000

Finance Minister Paschal Donohoe knew about the potential sale of thousands of Permanent TSB mortgages to a vulture fund almost a month before it came into the public domain.


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D'Arcy under fire over slow pace of insurance reforms

Thu, 22 Mar 2018 02:30:00 +0000

A group set up to demand lower business insurance premiums has criticised the Government minister tasked with reforming the sector.


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'Don't mess up rewards of economic recovery' - ESRI

Thu, 22 Mar 2018 02:30:00 +0000

Taoiseach Leo Varadkar has been warned not to blow the rewards of economic recovery by repeating the giveaway mistakes of the last boom.


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Rivals ready to cut health insurance rates as Vhi kicks off new price war

Thu, 22 Mar 2018 02:30:00 +0000

RIVALS of Vhi are ready to cut their prices in response to dramatic reductions in premiums announced by the company in the past few weeks.


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Rents now higher than in boom time as costs outside Dublin surge

Wed, 21 Mar 2018 06:22:24 +0000

THE pressure on rental costs in Dublin is now spreading to its neighbouring commuter counties.


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Room to improve: spending on home improvements hits €1.7bn

Wed, 21 Mar 2018 02:30:00 +0000

Irish homeowners have spent €1.7bn through the Home Renovation Incentive (HRI) Scheme since its launch in 2013.


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One-third still paying for past mistakes - sparking calls for schools to teach personal finance

Tue, 20 Mar 2018 02:30:00 +0000

One-third of people are still paying for financial mistakes made in the past, with almost the same number saying they find the topic of financial management confusing.


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Surge in homeowners fixing as mortgage war heats up again

Tue, 20 Mar 2018 02:30:00 +0000

Consumers can save thousands in payments as the mortgage battle between lenders heats up, according to MyMortgages.ie.


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More than 100,000 workers live in poverty despite the recovery

Tue, 20 Mar 2018 02:30:00 +0000

Women, young people and those on temporary contracts are among more than 100,000 workers who are living in poverty here, a new study has found.


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Finance Ireland close to decision on move to offer Irish mortgages

Tue, 20 Mar 2018 02:30:00 +0000

Finance Ireland is eyeing a potential move into the mortgage market, with a final decision to be made by the end of April.


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Mortgages, loans, overdrafts and credit card debts - here's what the new State credit register will show

Tue, 20 Mar 2018 02:30:00 +0000

Bankrupts will not be listed on a new State credit register designed to make lending safer.


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Angry drivers fear elevated insurance premiums will now become new norm

Tue, 20 Mar 2018 02:30:00 +0000

Car insurance costs are falling, according to official statistics. The cost of cover fell by 12.8pc in the year to February, according to the Central Statistics Office (CSO).


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DCC future looks bright as it writes latest chapter of success story

Sun, 18 Mar 2018 18:00:00 +0000

DCC is a fantastic Irish business success story. It is a company which has grown from humble beginnings in the mid-1970s to become a leader across Europe in each of the group's different business segments. Along the away, it has also generated significant value for shareholders.


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