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    Act now as the pensions timebomb goes tick-tock...


    One hundred and twenty isn't a very big number, but if you're in your mid-50s, that's how many pay-days you have left. It's said that retirement is the longest holiday of your life and these days, it's getting even longer. Most people can expect to live...

    One hundred and twenty isn't a very big number, but if you're in your mid-50s, that's how many pay-days you have left. It's said that retirement is the longest holiday of your life and these days, it's getting even longer. Most people can expect to live until nearly 90, meaning many of us will be funding a retired life that's almost as long as our working life.

    Household spending sees biggest rise in five months


    Spending by households returned to growth in March, having fallen in February. The Visa Consumer Spending Index, which measures expenditure across cash, cheques and electronic payments, was up...

    Spending by households returned to growth in March, having fallen in February. The Visa Consumer Spending Index, which measures expenditure across cash, cheques and electronic payments, was up 2.7pc.

    Retailers call for a super tax on premium-hiking insurers


    Insurers should have a super tax imposed on them if they fail to pass on cuts in premiums at a time when they are benefiting from reforms, a leading retailer representative body has...

    Insurers should have a super tax imposed on them if they fail to pass on cuts in premiums at a time when they are benefiting from reforms, a leading retailer representative body has said.
    Buyers turn to 'bank of mum and dad' for help

    Buyers turn to 'bank of mum and dad' for help


    Half of those expecting to buy their first home say they will need help from their...

    Half of those expecting to buy their first home say they will need help from their parents.

    Patients still in dark about public hospitals charging on the double


    Thousands of people with health insurance are in the dark about attempts by State hospitals to charge them on the double for...

    Thousands of people with health insurance are in the dark about attempts by State hospitals to charge them on the double for treatment.
    Would-be buyers sleep in their cars in ''Hunger Games' for housing'

    Would-be buyers sleep in their cars in ''Hunger Games' for housing'


    A situation that saw prospective buyers sleep in their cars while queuing in an attempt to buy a new home has been branded a "'Hunger Games' for...

    A situation that saw prospective buyers sleep in their cars while queuing in an attempt to buy a new home has been branded a "'Hunger Games' for housing".
    Danish firm to launch in healthcare market here

    Danish firm to launch in healthcare market here


    Danish firm Liva Healthcare, whose digital platform is being used in the UK by the NHS to help prevent and reverse chronic conditions including diabetes in patients, is about to launch in...

    Danish firm Liva Healthcare, whose digital platform is being used in the UK by the NHS to help prevent and reverse chronic conditions including diabetes in patients, is about to launch in Ireland.

    Will my wife get maternity cover after returning home?


    Q My wife and I emigrated to Australia four years ago but will be returning to Ireland next month. We had private health insurance with VHI before we left but, as we've been away since 2015, we haven't had private health insurance for about four years...

    Q My wife and I emigrated to Australia four years ago but will be returning to Ireland next month. We had private health insurance with VHI before we left but, as we've been away since 2015, we haven't had private health insurance for about four years now.
    The cost of cutting your carbon footprint - and the payback

    The cost of cutting your carbon footprint - and the payback


    It could cost tens of thousands of euro for an individual to cut their carbon footprint. However, with higher carbon taxes looking increasingly likely in the future, many Irish people will soon have little choice but to spend money on becoming more...

    It could cost tens of thousands of euro for an individual to cut their carbon footprint. However, with higher carbon taxes looking increasingly likely in the future, many Irish people will soon have little choice but to spend money on becoming more environmentally friendly.

    Your Money: Don't pay price of finance woes


    New research from Switcher.ie has revealed that 65pc of Irish consumers cannot afford essential household bills with their regular income; almost four in 10 (38pc) dip into their savings to cover household running...

    New research from Switcher.ie has revealed that 65pc of Irish consumers cannot afford essential household bills with their regular income; almost four in 10 (38pc) dip into their savings to cover household running costs.

    Growth of Middle Ireland defies trend across the West


    The good news if you're wondering how you are going to pay for childcare or get on the housing ladder is that things are worse, and in many cases a lot worse, for middle-income earners across the...

    The good news if you're wondering how you are going to pay for childcare or get on the housing ladder is that things are worse, and in many cases a lot worse, for middle-income earners across the world.
    Rising wages will drive up costs of rent and childcare

    Rising wages will drive up costs of rent and childcare


    Irish labour costs have increased four times faster than other prices in the economy and threaten to drive up rents, housing and childcare...

    Irish labour costs have increased four times faster than other prices in the economy and threaten to drive up rents, housing and childcare costs.
    Charlie Weston: 'Too many snouts in the trough for reform agenda to have any chance'

    Charlie Weston: 'Too many snouts in the trough for reform agenda to have any chance'


    The public has had enough. The insurance crisis is closing businesses, causing job losses, stretching household budgets and risking the reputation of this country as a place to do...

    The public has had enough. The insurance crisis is closing businesses, causing job losses, stretching household budgets and risking the reputation of this country as a place to do business.
    Insurance fraud crisis is costing jobs, says top judge

    Insurance fraud crisis is costing jobs, says top judge


    Former High Court president Nicholas Kearns has expressed frustration at the slow pace of insurance reform, saying the country risks reputational damage if the claims culture is not...

    Former High Court president Nicholas Kearns has expressed frustration at the slow pace of insurance reform, saying the country risks reputational damage if the claims culture is not tackled.
    ECB to keep interest rates at record low 'at least until end of year'

    ECB to keep interest rates at record low 'at least until end of year'


    The European Central Bank (ECB) said it will keep interest rates at their record low "at least through the end of 2019" at its monthly rate setting announcement...

    The European Central Bank (ECB) said it will keep interest rates at their record low "at least through the end of 2019" at its monthly rate setting announcement yesterday.

    Warning insurance hikes will now shut humble family grocery stores


    FAMILY grocery stores are facing job losses and will have to push up prices, with others forced to close because of the squeeze on them from the insurance...

    FAMILY grocery stores are facing job losses and will have to push up prices, with others forced to close because of the squeeze on them from the insurance crisis.

    Construction bosses told to factor 30pc pay hike into tenders


    House, hospital and major construction projects may soar in price as employers plan to factor a 30pc pay rise into tendering...

    House, hospital and major construction projects may soar in price as employers plan to factor a 30pc pay rise into tendering costs.

    Family incomes at risk as Brexit to spark price rises


    The impact of Brexit on Irish households will be "severe", with families' disposable income set to be hit in all scenarios amid increased prices for...

    The impact of Brexit on Irish households will be "severe", with families' disposable income set to be hit in all scenarios amid increased prices for consumers.
    Murphy points to 'positives' of cuckoo investors

    Murphy points to 'positives' of cuckoo investors


    Housing Minister Eoghan Murphy has defended the increasing numbers of homes being bought by so-called 'cuckoo funds' and institutional...

    Housing Minister Eoghan Murphy has defended the increasing numbers of homes being bought by so-called 'cuckoo funds' and institutional investors.

    Bank shakes up mortgage market with fixed-rate cut


    The largest mortgage lender in the State is set to shock the market with cuts to its fixed...

    The largest mortgage lender in the State is set to shock the market with cuts to its fixed rates.
    Rents to soar again as 'cuckoo fund' housebuying hits record

    Rents to soar again as 'cuckoo fund' housebuying hits record


    Big corporations spent more than €1.1bn buying a record 2,923 housing units in Ireland last year, blasting through previous records and cementing a radical shift in housing...

    Big corporations spent more than €1.1bn buying a record 2,923 housing units in Ireland last year, blasting through previous records and cementing a radical shift in housing patterns.
    Deirdre Conroy: 'Vulture funds' rent-only developments are not part of our culture'

    Deirdre Conroy: 'Vulture funds' rent-only developments are not part of our culture'


    Clancy Barracks in Islandbridge was sold back in the noughties to private Irish investors for residential development, ie homes to sell. The construction cost of adaptation and new build wasn't going to be cheap. Loans were undertaken, and then there was...

    Clancy Barracks in Islandbridge was sold back in the noughties to private Irish investors for residential development, ie homes to sell. The construction cost of adaptation and new build wasn't going to be cheap. Loans were undertaken, and then there was that cliff drop in construction we all suffered from in some form.
    Ministers clash over property tax exemptions for all pensioners

    Ministers clash over property tax exemptions for all pensioners


    Coalition partners Fine Gael and the Independent Alliance look set to clash over a demand for pensioners to be exempt from paying the Local Property Tax...

    Coalition partners Fine Gael and the Independent Alliance look set to clash over a demand for pensioners to be exempt from paying the Local Property Tax (LPT).

    John Lynch: 'Britvic avoids the sugar tax rush to inject real fizz into its results'


    It seldom happens that a division of a big, noisy conglomerate can find itself and blossom forth like a butterfly, emerging from the chrysalis. Indeed it may be a bit romantic to think that this is what happened to the British soft drinks producer...

    It seldom happens that a division of a big, noisy conglomerate can find itself and blossom forth like a butterfly, emerging from the chrysalis. Indeed it may be a bit romantic to think that this is what happened to the British soft drinks producer Britvic, but the company is having something of a golden period at the moment.
    Positive outlook growing over finances in retirement

    Positive outlook growing over finances in retirement


    More people felt confident in their financial readiness for retirement, as gains in the markers in 2019 resonate with investors. The main Irish stock index ended last week at a six-month high, boosted by better sentiment about...

    More people felt confident in their financial readiness for retirement, as gains in the markers in 2019 resonate with investors. The main Irish stock index ended last week at a six-month high, boosted by better sentiment about Brexit.

    Why is bank refusing to take ex-partner off mortgage?


    Q My daughter has been separated from her partner for 10 years - he left the home they shared and which they had a joint mortgage on. For the last 10 years, my daughter has paid the mortgage with no help from her...

    Q My daughter has been separated from her partner for 10 years - he left the home they shared and which they had a joint mortgage on. For the last 10 years, my daughter has paid the mortgage with no help from her ex-partner.

    'I haggled in Turkey over a fake Kawasaki wallet when I was 12 - and then lost it'


    The Irish comedian Danny O'Brien is a regular on Irish TV and radio - and he has also featured on the Comedy Channel. This years he was chosen to perform as part of the Best of the Edinburgh Fest show touring Australia. He recently opened for the...

    The Irish comedian Danny O'Brien is a regular on Irish TV and radio - and he has also featured on the Comedy Channel. This years he was chosen to perform as part of the Best of the Edinburgh Fest show touring Australia. He recently opened for the American comedian Bill Burr in front of over 7,000 people in Dublin.
    Credit card interest could cost you thousands

    Credit card interest could cost you thousands


    People in trouble with credit card debt often owe as much as €35,000 on their cards - and have multiple credit cards open at the same time, a debt adviser with Grant Thornton has...

    People in trouble with credit card debt often owe as much as €35,000 on their cards - and have multiple credit cards open at the same time, a debt adviser with Grant Thornton has warned.

    Your Money: Four ways to escape debt trap


    It might be an extreme example, but news has emerged of a case where a Limerick couple had almost €3m of debt written off for just a €2,000 payment in a personal insolvency arrangement...

    It might be an extreme example, but news has emerged of a case where a Limerick couple had almost €3m of debt written off for just a €2,000 payment in a personal insolvency arrangement (PIA).
    Largest property tax hikes to hit families living in small rural homes

    Largest property tax hikes to hit families living in small rural homes


    Households who bought the most affordable homes will suffer the largest increase in property tax under the system of reform favoured by the...

    Households who bought the most affordable homes will suffer the largest increase in property tax under the system of reform favoured by the Government.
    Great income divide widens between Dublin and the rest

    Great income divide widens between Dublin and the rest


    People living in Dublin enjoy the greatest level of disposable income with an average of €24,431 - which is 18.4pc higher than the average State figure of...

    People living in Dublin enjoy the greatest level of disposable income with an average of €24,431 - which is 18.4pc higher than the average State figure of €20,638.
    Property tax to hurt small rural homes as Dublin let off hook

    Property tax to hurt small rural homes as Dublin let off hook


    Homeowners in rural Ireland will feel the brunt of property tax hikes under the system of reform favoured by the...

    Homeowners in rural Ireland will feel the brunt of property tax hikes under the system of reform favoured by the Government.

    Richard Curran: 'Renters are most vulnerable in post-crash housing era'


    Few would argue with the benefits to society of providing affordable places to live. It doesn't matter whether you are an owner or renting, affordable housing is good for society, for families and for the...

    Few would argue with the benefits to society of providing affordable places to live. It doesn't matter whether you are an owner or renting, affordable housing is good for society, for families and for the economy.
    Finance Minister defends delaying property tax changes amid claims it's 'kicking the can down the road'

    Finance Minister defends delaying property tax changes amid claims it's 'kicking the can down the road'


    FINANCE minister Paschal Donohoe defended the decision to delay Local Property Tax (LPT) changes for a year amid claims it’s 'kicking the can down the road' and being done for electoral...

    FINANCE minister Paschal Donohoe defended the decision to delay Local Property Tax (LPT) changes for a year amid claims it’s 'kicking the can down the road' and being done for electoral reasons.

    Draghi warns vulture funds bill 'undermines stability'


    President of the European Central Bank (ECB) Mario Draghi said a proposed law to control the operation of vulture funds could undermine financial...

    President of the European Central Bank (ECB) Mario Draghi said a proposed law to control the operation of vulture funds could undermine financial stability.
    Relief as property tax changes delayed for a year

    Relief as property tax changes delayed for a year


    Local Property Tax (LPT) rates for householders are to be frozen for another year the Government decided late last...

    Local Property Tax (LPT) rates for householders are to be frozen for another year the Government decided late last night.
    'Cuckoo funds' elbow young buyers out of housing market

    'Cuckoo funds' elbow young buyers out of housing market


    First-time buyers will be deprived of the chance to buy almost 300 apartments at one of the country’s biggest new...

    First-time buyers will be deprived of the chance to buy almost 300 apartments at one of the country’s biggest new developments.
    State insurer loses legal battle on claim secrecy

    State insurer loses legal battle on claim secrecy


    The State's own insurance arm has failed in an attempt to have a legal case heard in secret about information it holds on almost 30,000...

    The State's own insurance arm has failed in an attempt to have a legal case heard in secret about information it holds on almost 30,000 claims.

    Ten steps to putting your money worries behind you


    One in three Irish people are very worried about their money, and one in four would not last a month without having to borrow money if they lost their main source of income. These are the findings of research published by Bank of Ireland earlier this...

    One in three Irish people are very worried about their money, and one in four would not last a month without having to borrow money if they lost their main source of income. These are the findings of research published by Bank of Ireland earlier this month.

    Should I book DIY holiday or travel agent's package deal?


    Q I want to book a family holiday and when I compare the price of package holidays, they are more expensive than if I was to book the flights and accommodation separately...

    Q I want to book a family holiday and when I compare the price of package holidays, they are more expensive than if I was to book the flights and accommodation separately myself.
    Capital's property prices flat over last year

    Capital's property prices flat over last year


    Property prices in the capital were flat over the last year, according to a leading estate...

    Property prices in the capital were flat over the last year, according to a leading estate agency.
    Council buys €19m complex to tackle social housing crisis

    Council buys €19m complex to tackle social housing crisis


    A major apartment complex has been purchased by Cork City Council and a housing association to tackle the city's spiralling social housing...

    A major apartment complex has been purchased by Cork City Council and a housing association to tackle the city's spiralling social housing crisis.

    Your Money: Garden rooms explore outer space


    Finding extra space for a growing family can be challenging and expensive. As tiny toddlers turn into teens and everyone wants to escape into their own space, or someone decides to work from home, moving house may not be an...

    Finding extra space for a growing family can be challenging and expensive. As tiny toddlers turn into teens and everyone wants to escape into their own space, or someone decides to work from home, moving house may not be an option.

    Your Questions: Does my son need extra travel cover for month-long trip?


    Q: My son is taking a month off work to travel throughout Europe over the summer. Does he need extra travel cover or is his health insurance and European Health Insurance Card (EHIC) sufficient?...

    Q: My son is taking a month off work to travel throughout Europe over the summer. Does he need extra travel cover or is his health insurance and European Health Insurance Card (EHIC) sufficient?

    Rare collection from the poster boy of Irish tourism


    Can't afford a Paul Henry? You wouldn't be the only one. His paintings frequently fetch six figure sums. Most famously, The Potato Diggers (1910-11) sold for €400,000 at Adam's in 2013. Henry's reputation is stellar. The artist biography section of...

    Can't afford a Paul Henry? You wouldn't be the only one. His paintings frequently fetch six figure sums. Most famously, The Potato Diggers (1910-11) sold for €400,000 at Adam's in 2013. Henry's reputation is stellar. The artist biography section of Whyte's describes him as: "Arguably the most influential Irish landscape artist of the 20th century."

    No mortgage in BoI 'bad loan' pot in 90-day arrears


    None of the loans in a portfolio of Bank of Ireland mortgages classified as non-performing by regulators is more than two months in arrears, and the average loan-to value ratio is over 80pc, the Irish Independent has...

    None of the loans in a portfolio of Bank of Ireland mortgages classified as non-performing by regulators is more than two months in arrears, and the average loan-to value ratio is over 80pc, the Irish Independent has learned.

    First-time buyer activity brings bounce to mortgage approvals


    Mortgage approvals jumped by over 10pc in February after a weak January, reflecting stronger activity in the first-time buyer (FTB) and mover...

    Mortgage approvals jumped by over 10pc in February after a weak January, reflecting stronger activity in the first-time buyer (FTB) and mover space.

    Buyers say prices of their ideal homes are increasing


    The majority of prospective home buyers see prices rising for the type of home they want, a survey has...

    The majority of prospective home buyers see prices rising for the type of home they want, a survey has found.
    Two more rent pressure zones as homeless figures spiral past 10,000

    Two more rent pressure zones as homeless figures spiral past 10,000


    Two more rent pressure zones have been designated, as costs have risen again and the homeless figures continue to spiral past...

    Two more rent pressure zones have been designated, as costs have risen again and the homeless figures continue to spiral past 10,000.

    Richard Curran: 'Property's new big boys want to get their message across'


    Few industries have ever been transformed so quickly as the Irish property sector. A decade ago Irish property was on its knees. We had a cohort of indigenous developers who were basically broke. House prices were tanking. Rents were tanking. Ireland Inc...

    Few industries have ever been transformed so quickly as the Irish property sector. A decade ago Irish property was on its knees. We had a cohort of indigenous developers who were basically broke. House prices were tanking. Rents were tanking. Ireland Inc was in deep trouble and was still two years away from the beginning of an IMF bailout.

    Trustees challenge ban on one-member pensions purchasing buy-to-lets


    A body that represents pension trustees has been granted leave to apply for a judicial review of moves by the Social Protection minister to impose new EU regulations on one-member pension...

    A body that represents pension trustees has been granted leave to apply for a judicial review of moves by the Social Protection minister to impose new EU regulations on one-member pension schemes.

    Government helping vulture funds push citizens out of homes - UN


    The United Nations has condemned Ireland for allowing multinational vulture funds to buy up vast swathes of properties and then rent them out at sky-high...

    The United Nations has condemned Ireland for allowing multinational vulture funds to buy up vast swathes of properties and then rent them out at sky-high costs.

    Lenders say law 'will push up mortgage lending rates'


    LEGISLATION to regulate the sale of mortgages to vulture funds will push up interest rates on home loans, the Banking and Payments Federation...

    LEGISLATION to regulate the sale of mortgages to vulture funds will push up interest rates on home loans, the Banking and Payments Federation said.

    Maurice Crowley: 'This bill will hurt the consumers it seeks to protect'


    Having a mortgage market that works effectively is one of the most important ways to ensure we overcome the housing crisis that we all want to see...

    Having a mortgage market that works effectively is one of the most important ways to ensure we overcome the housing crisis that we all want to see end.

    Lane warns vulture fund law would push up rates


    CENTRAL Bank Governor Philip Lane is to tell politicians that legislation to regulate the sale of mortgages to vulture funds will push up interest rates on home...

    CENTRAL Bank Governor Philip Lane is to tell politicians that legislation to regulate the sale of mortgages to vulture funds will push up interest rates on home loans.
    Bank error means 3,400 homeowners face higher repayments

    Bank error means 3,400 homeowners face higher repayments


    Thousands of Bank of Ireland mortgage customers face having to make higher payments after the lender messed up their loan...

    Thousands of Bank of Ireland mortgage customers face having to make higher payments after the lender messed up their loan calculations.

    Future pension increases to be capped under Fine Gael plans


    A "fight to the death" over increases to the old-age pension in the next budget has been declared on the day that the latest €5 hike kicks...

    A "fight to the death" over increases to the old-age pension in the next budget has been declared on the day that the latest €5 hike kicks in.
    Big freeze in house prices blamed on Central Bank rules 'stifling the market'

    Big freeze in house prices blamed on Central Bank rules 'stifling the market'


    The prices of average second-hand homes have largely frozen for the first quarter of 2019 throughout Ireland with most counties showing prices unchanged since the beginning of the...

    The prices of average second-hand homes have largely frozen for the first quarter of 2019 throughout Ireland with most counties showing prices unchanged since the beginning of the year.

    Fewer than 1pc of homeowners switch mortgages


    Fewer than 1pc of mortgage holders switch providers despite many saying they are concerned about...

    Fewer than 1pc of mortgage holders switch providers despite many saying they are concerned about value.
    Driving up values: Properties around Center Parcs soar

    Driving up values: Properties around Center Parcs soar


    The sheer size of the Center Parcs Longford Forest scheme currently under way near Ballymahon has caused the price of an average property in the county to rise by 21.1pc in the past...

    The sheer size of the Center Parcs Longford Forest scheme currently under way near Ballymahon has caused the price of an average property in the county to rise by 21.1pc in the past year.

    Can my daughters inherit my home tax-free when I die?


    Query: I am over 66 and have two daughters living with me who do not own any other property. Can I leave my home to both daughters without them paying inheritance tax if they hold onto the house for six years? Or can the house only be left to one of my...

    Query: I am over 66 and have two daughters living with me who do not own any other property. Can I leave my home to both daughters without them paying inheritance tax if they hold onto the house for six years? Or can the house only be left to one of my daughters tax-free? John, Co Wexford

    'There are two sets of rules: the set for the wealthy and the ones for everyone else'


    The Irish author Dervla McTiernan was born in Cork. She studied corporate law and practiced as a lawyer for 12 years before she moved to Australia with her family in October 2011. She now lives in Perth with her husband and two children, Freya and...

    The Irish author Dervla McTiernan was born in Cork. She studied corporate law and practiced as a lawyer for 12 years before she moved to Australia with her family in October 2011. She now lives in Perth with her husband and two children, Freya and Oisin.

    Bartra seeking green light for 700-bed project


    Richard Barrett's Bartra Capital has lodged plans to bring 725 new beds to a development in south-west...

    Richard Barrett's Bartra Capital has lodged plans to bring 725 new beds to a development in south-west Dublin.
    Developer Smyth in €100m build-to-rent scheme for 400 units

    Developer Smyth in €100m build-to-rent scheme for 400 units


    Developer and solicitor Noel Smyth is planning to bring more than €100m worth of new residential developments to the rental...

    Developer and solicitor Noel Smyth is planning to bring more than €100m worth of new residential developments to the rental market.
    Negative equity end in sight for homeowners

    Negative equity end in sight for homeowners


    Irish homeowners should emerge out of negative equity by the end of next year, a top property expert has...

    Irish homeowners should emerge out of negative equity by the end of next year, a top property expert has forecast.

    Boom can help homeowners make huge savings on their mortgage


    More than 100,000 homeowners could be paying tens of thousands more for their mortgage than they need to - because they haven't taken up the cheaper mortgages which the property boom has put within their reach. In some cases, homeowners are losing out on...

    More than 100,000 homeowners could be paying tens of thousands more for their mortgage than they need to - because they haven't taken up the cheaper mortgages which the property boom has put within their reach. In some cases, homeowners are losing out on hundreds of thousands of euro in savings by failing to move to cheaper mortgages.

    Can you recommend a dental plan in addition to my health cover?


    Q: I am thinking of taking out dental cover separately to my health insurance. Is there a long lead-in time before cover commences and what dental plans are...

    Q: I am thinking of taking out dental cover separately to my health insurance. Is there a long lead-in time before cover commences and what dental plans are recommended?

    Become a loan ranger in market


    With some mortgage lenders already reporting 'exemption' limits reached on loans over and above normal credit limits, and it's still only March, demand certainly isn't an...

    With some mortgage lenders already reporting 'exemption' limits reached on loans over and above normal credit limits, and it's still only March, demand certainly isn't an issue.