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    VHI VHI plan closest to Laya Simplicity

    My new employer only offers VHI plans - I'm struggling to find a VHI plan similar to Laya Simplicity. Good hospital coverage and high level of cover for physio are important to us. Any suggestions anyone? Don't mind paying somewhat more than the Laya plan.
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    Germany: 10 year fixed from 1.15%

    I'm sure if you default in Germany the house can be repossessed also!
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    Health Insurance Self insuring private healthcare

    You'll be really let down by the public system for something that is a serious quality of life issue but not going to kill you (say a knee problem or a skin problem). In my opinion worth it for this alone.
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    Transferring PRSA to company DC scheme?

    One benefit would be the lower fees, not sure how far from retirement you are but that could be significant over time
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    Public Service Pension AVC'S top up

    Is it possible to get a cheaper AVC PRSA than the 1% p.a.? Partner also recently joined public sector and was looking into the options. Scandalous that the union's have not negotiated a better deal....
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    How will we be taxed after returning to Ireland from the USA?

    Nope you'll pay tax here, it would be a strange world where residents could avoid tax (live here, pay tax here). I believe the US taxes all her citizens so you will have to pay US taxes as well, though you will get full credit for Irish taxes paid and they will be higher than the US so you'll...
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    Rory Gillen's free book: "A guide to sound investing"

    That is the same with every share, ever. You own a residual claim on the earnings of the companies assets. Every financial instruments is a derivative by that logic, including cash.
  8. U

    Rory Gillen's free book: "A guide to sound investing"

    Shares in a company that specialises in renting out property and gets a corporate tax exemption if it compiles with certain rules to distribute most of its earnings by way of dividends
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    Switching from KBC

    No they have [broken link removed] "These competitive new mortgage rates will be available for both new to bank and current KBC mortgage customers. " Might be better saving yourself the hassle and taking the new lower competitive KBC rate
  10. U

    Switching from KBC

    I think KBC are now passing on rate cuts to existing customers now...
  11. U

    LTI limits - public sector employees and pension levy

    Hello, perhaps a silly question but partner is a public sector worker and we will be looking to get a mortgage in time to come. For the central bank LTI multiples would the gross salary per the payscale count even though public sector workers pay a pension levy (in addition to the other normal...
  12. U

    "Ditch the lattes if you want to save up the deposit on a house"

    Good piece - as a FTB in the next year or two I am fearful of whatever idiocy FG or FG will produce this week to pump up prices some more!
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    Taxation of Dividends Earned in Different Countries

    That depends on the country - some might deduct 20% and the Double Taxation Agreement allows for 15% so you pay the tax due above 15% to Ireland and claim back 5% from the other country. The revenue DTAs are easy enough to understand, Google them
  14. U

    Are the Central Bank rules actually helping First Time Buyers get on the housing ladder?

    They are helping 1st time buyers (and all buyers) by saving them from themselves. The fundamental determinant of house prices in the short/medium term is earnings* leverage, and as earnings don't vary thay much in short period for cohorts as a whole it really is finance (excellent overview here...
  15. U

    New 'Single Scheme' Pension

    I think the accrual rate up to 45k is 0.58% so that would be 1/172? It's higher for the bit over 45k.
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    Overpay Mortgage, Save or Pension?

    If your occupational pension scheme provides an employer match then that would potentially be an attractive option. Before tax relief you're up 100% - one of few ways to get free money/instant pay rise.
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    U.K. Far better for savings

    Agree that an ISA type wrapper is much needed here. However the UK ISA is far too generous, basically a bribe to wealthy middle aged and older voters. €5k or so limit p.a. much more sensible
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