The packaging on cigarettes has been changed for years now, and if anything, all it’s done is train smokers to steadfastly ignore the big rotten tumour on it. The massive jump in the price of cigarettes over the last few years has probably done more to dissuade you from...
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The glow of Wage Subsidy supports has been dimmed with the arrival of tax bills. What if there was a solution to mitigate those liabilities without impacting other taxpayers? Many beneficiaries of the Temporary Wage Subsidy Scheme and Employment Wage Subsidy Scheme were taken by surprise when they received...
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Thousands of credit union members across the State are being asked to withdraw some of their savings, as caps are being applied to deposit accounts. Some are imposing saving limits as low as €15,000. The move is being blamed by credit unions on the costs charged to them by...
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Reminder and Heads Up for anybody that has Sterling Notes at home. Paper £10 and £5 banknotes have already been withdrawn and, old paper £20 and £50 notes will become invalid for use from September 30, 2022. The change is a bid to eliminate counterfeit money that is...
Continue ReadingHow will the bills be paid if you die? Unfortunately I have had to deal with this problem on a regular basis when claims arise. Trust me it is extremely difficult for the surviving members of the family to manage. Through my training and work experience I know it...
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In an era of increasing scheme regulatory complexity and cost it is now possible to have an external trustee who can bring expertise to scheme governance hence mitigating the risk and obligations on you. For example Zurich life have Zurich Trustee Services Limited (ZTSL) ZTSL, a separate legal entity...
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Retirement Planning – Planning for retirement is more important now than ever. The long period of lockdown will have given many of us a foretaste of retirement and the challenges faced when income is short and time is long! With the State Pension (Contributory) in Ireland only worth €250...
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With both Ulster Bank and Bank Of Ireland closing branches in Co. Clare it is imperative that you consider your options for your savings, investments, pensions and Life Insurance policies. Whilst my heart goes out to the bank staff having received terrible news regarding their futures their bosses have...
Continue ReadingMany individuals have pension benefits in a personal retirement bond (PRB) without necessarily understanding what they have and what steps they should follow to make the most of these benefits before retirement hits them – often too late to do anything! A PRB is an individual pension contract designed...
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Have you claimed Flat Rate Expenses that are available as a Tax Credit for your Occupation? All employees of the class or groups listed below can claim the deduction in their own tax credits. Flat rate expenses can be claimed by completing an Income Tax return you can go...
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