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Older people have been warned that if they set up a joint bank account - typically with a son or daughter - then any money in it will be legally owned by both people.
First-time buyers here are paying hundreds of euro per month more for a mortgage than the European average.
First-time buyers here are paying multiples more for a mortgage every year than the European average.
Ireland is not Europe's most expensive country for petrol or diesel - despite some claims to the contrary.
The knock-on effect of Brexit is likely to see plenty of our older emigrants come home to roost early, along with a whole new tranche of British-born immigrants to boot.
A record number of householders switched gas supplier last year, but more consumers have been urged to make the move to a better-value provider.
There was some relief in the Budget for families that are leaving properties to their offspring. But the one change that was announced was modest and only applies to one category of person inheriting a gift.
Many well-paid workers are worse off under Budget 2019 than they were 10 years ago. This is largely due to the impact of the Universal Social Charge (USC) on their earnings.
Just two years in, the theme of 'limited fiscal space' is already a well established one in the budgets of Finance Minister Paschal Donohoe. Some €3.4bn of available spending money for 2019 was quickly reduced to €800m by prior commitments - and two- thirds of that was earmarked for public spending. This left only one third for tax measures. The focus is clearly on book-balancing and running a surplus by 2020.
Budget 2019 didn't put much money back into our pockets. Much of the focus of Finance Minister Pascal Donohue last Tuesday was on housing and health - with little left in the pot for anyone else. Many of us will only be better off to the tune of about €5 or €6 a week next year as a result - and some of us won't be any better off at all. Here are some areas where we're still losing out financially and which the Budget could have tackled better.
There was little done in last Tuesday's Budget to alleviate the financial hardship faced by tenants. Although the tax relief for landlords was increased, there was no hint of a reintroduction of the rental tax credit - a previous tax break for tenants.
There is still much left to do to even the playing field for the self-employed. PAYE workers will earn €300 more than the self-employed before getting hit for tax next year - despite the increase in the tax allowance for self-employed individuals. This allowance, known as the earned income tax credit, will increase from €1,150 to €1,350 under Budget 2019 - allowing a self-employed person to earn €1,350 next year before paying tax.
The budget may not have given everyone what they hoped for, but if there are signs the recession is over, look no further than weddings. Perhaps inspired by this year's royal nuptials, you may not have Princess Eugenie and Fiancé Jack's budget, but couples are splashing out, according to Confetti.ie, with the average spend about €25,000.
Question: My health insurance renewal date has passed and I have discovered that my old and very expensive plan has now automatically renewed and the first direct debit has been paid. Can I still change my cover to another plan to reduce my costs?
The increased cost of eating out was one of the reasons the inflation rate has hit the highest level in a year-and-a-half.
State-owned Permanent TSB stands accused of lacking care and respect for its customers following its big mortgage sell-off.
STATE-owned Permanent TSB was accused of lacking care and respect for its customers when it appeared before the Oireachtas Finance Committee.
COUPLES who both work outside the home will not be happy.
THE self-employed have emerged as major gainers from the measures announced.
Vulture funds have significantly ramped up action against debtors in recent weeks, new data reveals.
Ireland's largest private landlord has scrapped plans to hike rents by up to 25pc at a south Dublin complex following protests by tenants.
A THIRD energy supplier has signalled that it is increasing its prices.
Earlier this week, it was reported that the Independent Alliance TDs - who form part of the Government - are proposing a 'granny flat grant', that would help convert family homes into two units, as one of their flagship measures for Budget 2019.
They say only two things are certain: death and taxes. When it comes to our national obsession with property inheritance, you can be sure of another truism: where there's a will, there's a relative.
Thousands of people are overpaying for their health insurance in the mistaken belief they have the best cover, after they signed up for a corporate plan.
Private hospitals have warned people with health insurance they may end up paying for part of the cost of their procedure.
The pace of house building slowed for the second month in a row in September, hitting an 11-month low.
There has been an explosion of gin and whiskey brands in recent years. Ten years ago there were only three distilleries for Irish whiskey. Now there are 20, according to the Alcohol Beverage Federation of Ireland, though that's still small when compared to the scotch industry. Every month seems to bring another 'new' gin to the market.
More and more of us use mobile phone apps to manage our money. Although the traditional pen-and-paper approach still has its advantages, apps help cut down on paper clutter - and can be a much handier way of getting a quick snapshot of your finances. Apps can also take the hassle out of managing your money and make you quickly realise where you're making mistakes with your finances.
Colin Murphy is a comedian from Co Down - well-known for his regular appearances on the BBC comedy panel show, The Blame Game. He lives in Belfast. His new stand-up show, Bald Ambition, kicked off last month and runs until mid-December.
Query: My husband and I worked in Britain in the past and each of us have a frozen defined benefit (DB) pension over there as a result. My husband built up 25 years of service in Britain while I built up 20. We both work in Ireland now and both have defined contribution schemes through our work. With Brexit fast approaching, we're unsure what to do with our British DB pensions. Should we transfer the frozen DB pensions to Ireland - and if so, into what? Geraldine, Co Dublin
We will change the car or opt for a new hair style sooner than we will save ourselves money by making a much more simple change. That is the depressing finding of a survey commissioned by the energy regulator.
Householders will be hammered by steep hikes in winter energy costs, as extra taxes and price hikes combine to push up bills by hundreds of euro.
Question: I'm a 50-year-old married man with two daughters, aged 10 and 8. My wife and I want to save €200 a month for their third-level education. We need the money to grow but we're not sure what to invest it in. Deposit rates don't look great, even if we locked into An Post's best 10-year bond - it's only paying 1.5pc a year. We have been told deposits are more tax-efficient than other types of monthly savings plans. Is that correct? Should we just go ahead with a deposit account?
LoCall numbers (with an 1890 prefix) are used by organisations to make it cheaper for their customers to call.
The VAT rate on new homes should be slashed to zero to help fuel the construction such properties, according to the executive chairman of stock market-listed home builder Abbey.
Holding bankers to account for the tracker mortgage scandal would risk scaring them off to other countries, the watchdog has claimed.
Workers should not begin paying the higher rate of income tax until their earnings pass €40,000, a minister in the Department of Finance has said.
Bankers are like badly behaved children. They learn quickly if there are sanctions for bad behaviour.
THE Central Bank has been accused of being “behind the curve” in making sure individual bankers are held responsible for the tracker scandal.
Irish banks have paid around €580m to customers impacted by the tracker mortgage scandal, according to the Central Bank Governor Philip Lane.
A gaping chasm of 46pc between the average public servant's wages and a private sector worker's pay has narrowed since the bailout.
The average worker's take-home pay plummeted by €871 over the past decade as tax hikes wiped out a rise in wages.
Tom Roche (69) from Offaly fears what the future will hold for him after he fell into mortgage arrears.
A project backed by celebrity architect Dermot Bannon has been championing the idea of converting elderly people's homes into separate units for two years now - and it costs a lot more than €15,000.
A special savings scheme to help first-time buyers is being considered as part of Budget 2019, the Irish Independent can reveal.
Homeless campaigner Fr Peter McVerry believes that there are at least half a million people in the country whose housing situation is causing them serious distress.
Half of all workers will still be paying debts in their retirement including mortgage or paying rent.
The Government has been called on to quickly enact new legislation that will require the automatic referral of fraudulent and exaggerated injury claimants for prosecution.
Forget avocado toast and living beyond our means - the only reason that so many first-time buyers like myself are waiting until our mid-30s to buy is because of the dysfunctional housing market.
More than 530 social homes first announced three years ago will not be completed and ready for occupation until at least 2020.
Almost a third of workers on the minimum wage achieve higher pay within a year.
Savers are set for a boost in Budget 2019 - but it won't be anything close to the SSIA scheme which fuelled boom-time spending.
Diesel, petrol, coal and cigarettes are set to go up in Budget 2019 as Finance Minister Paschal Donohoe looks for money to fund social welfare hikes and income tax reductions.
Consumers could save as much as €300 a year simply by switching their electricity and gas providers, new research has identified.
Primary school teachers Christine Smyth and Shane McIntyre bought a second-hand house at the end of last year.
We already know Ireland has the fourth-highest electricity prices in Europe. If that wasn't bad enough, they're about to go up again, just in time for a chilly autumn.
The mortgage market is finally due to undergo a massive shake-up.
It came as a shock to self-employed driving school operator Jay Sukhdeo when he was turned down by the banks for a mortgage.
You may not be aware of a savings tax change that adversely affects most small to medium-sized savers, because it was introduced only two years ago.
The great George Bernard Shaw didn't always get it right. For instance, he has a character in his play 'Man and Superman' declare: "Beauty is all very well at first sight; but who ever looks at it when it's been around the house for three days?"
Peter and Birgit Lochmann have always loved travelling, but since retirement they've found that Airbnb is bringing the world to them.
Jonathan Healy is a well-known broadcaster who works with Newstalk, RTE's Today show and Cork's Red FM as presenter of RedBusiness, Red FM's podcast-only business show.
Consumers are being increasingly bombarded with offers of discounts, rewards and cashback as companies compete against each other to hold on to and win over customers. Don't rush into these offers in a bid to make a quick buck, though: they may be just an attempt by a business to get you to spend more money with it or to change how you interact with it - thereby saving it money in the long run.
Query: I have an Approved Retirement Fund (ARF) valued at €20,000. I plan to will it to my special needs daughter. I am anxious to know what tax she would pay on that amount when she receives it after my death. Her only income is her disability allowance. John, Co Dublin
Given the surge in the cost of motor insurance cover in the last few years, it is probably not surprising that dodgy practices have emerged. Motor insurance is expensive and compulsory, and can be difficult to obtain for some drivers.
"Compound interest is the eighth wonder of the world. He who understands it, earns it... He who doesn't, pays it." This quote is dubiously credited to Albert Einstein, but the power of compounding is beyond doubt and often underestimated by investors.
The Governor of the Central Bank Philip Lane has welcomed indications that the surge in house prices is showing signs of abating.
Ireland is the empty-nest capital of Europe. On one hand housing is in chronically short supply, but on the other, a massive 70.6pc of homes are under-occupied, especially among the over 65s with 91pc of houses too big for their occupants, according to research from the ESRI.
Seán and Sinéad Struggler feel they are due an explanation for why they and thousands of other ordinary families like them were forced to shoulder all of the burden of rescuing the State.
Question: We recently got planning permission to build a granny flat in our back garden, which I think my mother will probably use in the years to come. We are now looking at options for insurance, and I'm wondering if our current home insurance policy will cover the dwelling as it's on our property, or would I have to take out a separate home/contents policy for it altogether?
Question: I received a letter from Revenue telling me that income I earned from a room letting in 2015 is suddenly liable to tax. I rented out my spare room on Airbnb for five months while I was between tenants (I live in the property). I only earned around €2,000 over the entire period and it cost me money in terms of linen changes, painting the room etc. This was before I understood the income was subject to tax, which I believe was clarified last year. Am I exempt under Rent-A-Room, and how do I go about proving it?
Governor of the Central Bank Philip Lane has said that Irish house prices flatlining is "good news".
A much-hyped fast-track housing plan to deliver thousands of new homes for families will be gathering dust for at least three years before anything is done.
Households have been warned of an "energy winter of discontent" after Flogas announced an increase in its prices for the second time in three months.
In December 2012, the government designated North Lotts and Grand Canal Dock in the Dublin Docklands as a strategic development zone (SDZ).
Property owners in certain areas are facing a clampdown on the use of sites like Airbnb to cash in on short-term lets on a long-term basis.
Local authorities have built fewer than 500 homes in the first half of the year.
A SPANISH bank has bought Irish credit operator Avantcard in a move that raises the prospect of a new foreign lender shaking up the market.
Gardaí and the Central Bank are carrying out investigations into financial irregularities at a leading insurance brokerage.
Rents have shot up again, in a trend that piles even more pressure on Housing Minister Eoghan Murphy.
A decade after the financial crash, worries about money are still the principal cause of anxiety for people in Ireland, a survey has revealed.
The Irish Life offices on Dublin's Abbey Street are a reminder of another age. At the top of the heart of the complex I'm whisked through wide corridors, huge double doors and a collection of sculptures and paintings that are straight out of the 1980s. Irish Life chief executive David Harney's corner office could comfortably accommodate a game of five-a-side soccer with plenty of space left for us to have our conversation.
HIGHER earners are the big winners from the tax relief system for pensions savings, according to university academics.