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Try to recall whoever told you it was a system fault , and ask them to reissue the insurance certificate from the time you paid the charge, If you paid by credit or debit card the card company may be able to confirm the exact time of payment. Otherwise I feel its a matter for your solicitor to...

eToro will sell you a Contract for Difference , based on any US ETF at present. You pay the full price for the ETF but it is not yours , I would describe it as a bet on the future value of the ETF with eToro. You can sell when you please , and eToro will pay you the market price. Interest paid...

As a footnote , 3 family members who were supposed to be on the same flight have already got full ticket refunds. ( Obviously I am not as persuasive at filling out refund forms as my children. I will get them to do it if ever in a similar position again )

I think the excuse that itwas due to a strike only applies to compensation. All I want is a refund of the ticket price. Anyway its with the Commissioner for Air Transport now .I have seen firms advertising on Internet to take your case , even to court if necessary, but fees seem to be about 15%...

Thanks mustang01. Paid with Visa Debit. Worth trying them for a charge back if I don't get a more satisfactory response from Ael Lingus.

Aer Lingus cancelled a 6 am flight to Pisa for my wife and self on Friday May 20th. Reason was a union disruption at Pisa airport. About 12 hours notice given to me. Arrived at airport in good time , but told flight confirmed cancelled. Checked at Aer Lingus desk, no acceptable alternative...

Presently the "exit tax" seems to be returned on the Foreign Income page of the F11 tax form , in the section dealing with Offshore Funds (Part27, Ch4) . There are 2 details to fill in --- Payments S747D ( if any interest earned, ) and Gains S 747 E , ( on any gains.) both taxable at 41% . I...

Due to the difficulty in purchasing U.S. ETFs in Europe, I have made 2 or three (small) contracts for difference , based on a " buy" of the U.S. ETFs. My contract is with eToro , and their web site confirms that I do not own the ETFs , and I seem to be just " betting" on their increasing in...

If a medical report is needed , the doctor must certify that the applicant has satisfactory vision and no medical condition which would make driving dangerous. The applicant needs to sign the form in the presence of the doctor, so leaving the form at the surgery for later completion would...

Your Doctor , or an optometrist , has to complete this form once the vision test has been completed. You could check when making an appointment that there are facilities available to print out this form at the office. It is not necessary for the applicant to have the form in advance of the eye...

Thanks for your advice jpd. Nodo.

If I sell some ETFs , liable for the 41% exit tax , how soon is this tax due. Can I declare the sale profits on my F11 form for the year of sale, and pay the amount due then . If this is the case I presume my Preliminary Tax payment for the year of sale should include my calculation of the exit...

Like many contributors to AAM , I have been worried by the possibility of US domiciled ETFs being brought into the Gross Rollup taxation method as used for UCITS ETfs . This seems now more likely on reading this forum. About 15% of my small portfolio is in US domiciled ETFs. To shelter myself...

Setting up a brokerage account with a firm who do not offer a Joint account facility for my wife. This will cost me extra CGT on any profits, as all shares will be in my name. Dividend income will also attract extra USC as my wifes income is under € 12000, so no benefit for her being exempt...

I would regretfully have to agree with your first paragraph. Keeping my money would seem to be the safest thing to do. Thanks to all who gave advice. Nodo

House value about € 300000 Mortgage outstanding about € 200,000 No arrears but I think strain of repayments adds to an already fragile relationship. Points made taken on board by me Thanks for all ideas.

Thanks to all for your replies. Certainly the loan , with interest as a gift , seems the way to go. Some good ideas from you all to discuss with my legal adviser. nodo

I have a child in a marriage which is under considerable strain partly from financial difficulty paying the house mortgage. Shared mortgage payments . I am in a position where I could offer a lump sum as a gift to one partner to assist in the mortgage repayments. In the unfortunate...

Hope to put family home up for sale shortly. Total garden area is 1.136 acres , so worried I may have to pay CGT on my gain. If so, would this be on my total gain, or a proportion ( my calculation is about 13.6% ) of the total gain. Could I avoid CGT by only selling one acre of garden with the...

Interactive investors have an Irish web site which still seems to be selling the ETFs you require. You will need to sign up for an account with them . Best of luck. Nodo