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Money Times - June 27, 2017

Posted by Jill Kerby on June 27 2017 @ 09:00

LETTER TO LEO…

Dear Leo (if I may),

You haven’t had much of a political honeymoon, which seems a little unfair given the rapturous response you got from the international media as the first Irish Taoiseach to break the mould of the older, Catholic, straight white male with two Irish born parents (with the exception of Dev).

I expect your mum and dad are thrilled that you’ve been compared to the unconventional 30-somethings, Emanuel Macron of France and Justin Trudeau of Canada. Too bad you don’t share their popular electoral mandates.

But I think you might enhance your personal and party reputation before the next election if you act quickly and decisively on the ‘New Politics’ front. My beat is money and personal finance, so I’ll stick with that theme.

For example, I was impressed when you said a couple of months ago that you wanted a new transparent, (soft)compulsory, invested, sustainable pension system for Ireland.

I couldn’t agree more. But the entire system – private, public and old age State pension provision - needs to become sustainable, fair…and universal.  You’d certainly earn cudos (and make international headlines) if you agreed to transfer out of your shiny, gold-plated, indexed Defined Benefit Rolls Royce politician’s pension and sign up for a well managed, universal, defined contribution pension with say, a maximum tax relievable benefit of €60k a year. 

Making a significant dent in the housing/homeless crisis in Dublin would certainly bring you loads of cudos.

If you really wanted to, you could take a stand and bring in emergency legislation that would 1) stop foreign property investors/our own banks from kicking sitting tenants out of their homes; 2) end the obscene practice of domestic land bank speculators and property owners (including local authorities) leaving highly desirable vacant sites and buildings undeveloped; 3) end the free pass that AirBnB landords are getting when they convert whole properties into casual rental units for tourists, who have permanent homes of their own.

If you and your government can’t even do this right now, why should anyone bother to vote for you in the future?

About our dysfunctional public health sector, I have one suggestion. Open a dialogue with the private health service community to whom over 2.1 million people voluntarily (if reluctantly) hand over several billion euro a year in addition to their share of the c€15bn compulsory taxation that funds the HSE.

Private sector hospitals, clinics, practitioners, like GPs, dentists, consultants, nurses, physiotherapists and other technicians, etc, deliver their specialised skills and services in a professional, efficient and timely manner. This is because the decision-making and delivery of private sector healthcare is made by health professionals, not by administrators. They treat their patients like the paying clients they are.

I know how foreign this sounds within the unaccountable HSE bubble, but poor treatment, bad service, lawsuits means private healthcare operators go out of business; everyone loses – patients, doctors, nurses, technicians, support staff, investors.

If you think, like I do, that an affordable, universal health service, delivered to the same service standard as the Irish private health sector is ideal, then you need to stand up to the ideologues of the right and left, to vested political interests and reach out to the private healthcare community instead of vilifying them. Learn from them.

Higher taxes, housing, healthcare (public and private), education and transport costs continue to take their toll. So ease that burden:

-       Get rid of the 39% DIRT tax on savings. Cut the obscene 41% tax on investment funds to the standard tax rate of 20%. Higher taxes and near zero returns on deposits mean people are taking far more risk that they should to just beat inflation. Investment funds help parents put kids through college some day, or young people to save for a wedding or new home. A 41% tax on this level of risk/returns is just wrong.

-       Stop calling the USC (the universal social charge), ‘universal’. It is not. At the least, the 11% higher rate on income over €100k should apply to everyone with that income (including you) and not just the self-employed.

-       Sort out the foreign multi-national tax situation before Mr Macron does…to our detriment.

-       Stop the sneaky unfair levies like the 5% of car, home, travel, public liability insurance caused by the failure of reckless insurance operators and poorly designed compensation funds.

Finally, if you want the support of younger voters, end the long tradition of wealth transfers from young workers to old retirees.  Pensioners, especially the over 70s, are the wealthiest cohort in Ireland with the largest pool of savings and assets (especially property and pensions). They enjoy widespread tax exemptions and preferential rates; free universal healthcare and even universal asset preservation in death (the “Fair Deal” scheme).

Tackle this injustice Leo, and I might even vote for you.

 

 

Please send your queries to Jill c/o this paper or by email: jill@jillkerby.ie

 (The new TAB Guide to Money Pensions & Tax 2017 is now out. €9.99 in good bookshops. See www.tab.ie for ebook edition.)  

 

 

 

 

 

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  49. HOW I GOT MY HUSBAND
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  50. LOAN OFFER$$$$$$$
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  62. Angel
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  63. Angel on Jan 09 2020 23:32
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  73. Elizabeth on Feb 09 2020 20:10
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  74. Dr. Bradley Louis
    DO YOU THINK OF GETTING A LOAN?? APPLY TODAY FOR AFFORDABLE 100% LEGITIMATE HOME/REAL ESTATE/PERSONAL/BUSINESS LOANS Email for immediate response: (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more for we are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 Need emergency funds? Apply now and get your cash approval. we offer the following financial services: *Personal loans, *Debt consolidation loans, *Venture capital, *Business loans, *Education loans, *Home loans *Car Loans *Hotel Loans And many more. Are you looking for genuine loan? contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate? Are you in any financial mess or do you need funds to start up your own home project and real estate development? Do you need a loan to start a nice small or large scale and medium business? contact us today (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 Look forward to your response, Dr. Bradley Louis Text/Call (917) 383-2689
  75. Sri Setiawati
    negara: Indonesia Nama: Sri Setiawati Alamat: jln cikumpay Campaka purwakarta Bank BCA https://twitter.com/Sriseti97095183 Email: pattyuseh20@gmail.com Sudah beberapa bulan sekarang saya telah memberikan kesaksian tentang bagaimana saya meminjam 60 juta dari PERUSAHAAN PINJAMAN RIKA ANDERSON tetapi beberapa orang meragukan saya karena tingkat penipu online saya. Saya ingin memberi tahu Anda semua bahwa Perusahaan Pinjaman Bunda Rika Anderson adalah pemberi pinjaman yang jujur. Ibu Rika telah memberi saya satu hal lagi untuk tersenyum, setelah saya mengikuti proses hukum, pinjaman saya dipindahkan ke rekening saya Bank Central Asia Indonesia. Saya tidak memiliki tantangan dengan Bank Indonesia karena Ms. Rika dan tim Manajemen RIKA ANDERSON LOAN COMPANY telah dianggap sebagai pemberi pinjaman yang sah dan diakui sehingga tidak ada masalah sama sekali untuk bantuan keuangan. Anda dapat menghubungi ibu Rika di e-mail rikaandersonloancompany@gmail.com Whatsapp: +15183602491 Semoga Allah SWT menyertai Anda juga.
  76. Sri Setiawati on Mar 20 2020 09:51
    negara: Indonesia Nama: Sri Setiawati Alamat: jln cikumpay Campaka purwakarta Bank BCA https://twitter.com/Sriseti97095183 Email: pattyuseh20@gmail.com Sudah beberapa bulan sekarang saya telah memberikan kesaksian tentang bagaimana saya meminjam 60 juta dari PERUSAHAAN PINJAMAN RIKA ANDERSON tetapi beberapa orang meragukan saya karena tingkat penipu online saya. Saya ingin memberi tahu Anda semua bahwa Perusahaan Pinjaman Bunda Rika Anderson adalah pemberi pinjaman yang jujur. Ibu Rika telah memberi saya satu hal lagi untuk tersenyum, setelah saya mengikuti proses hukum, pinjaman saya dipindahkan ke rekening saya Bank Central Asia Indonesia. Saya tidak memiliki tantangan dengan Bank Indonesia karena Ms. Rika dan tim Manajemen RIKA ANDERSON LOAN COMPANY telah dianggap sebagai pemberi pinjaman yang sah dan diakui sehingga tidak ada masalah sama sekali untuk bantuan keuangan. Anda dapat menghubungi ibu Rika di e-mail rikaandersonloancompany@gmail.com Whatsapp: +15183602491 Semoga Allah SWT menyertai Anda juga.
  77. Dr Benjamin Scarlett Owen
    APPLY TODAY FOR QUICK, AFFORDABLE AND RELIABLE BUSINESS/HOME/REAL ESTATES/COMPANY/PROJECT/PERSONAL LOAN OFFER WITHOUT COST/STRESS CONTACT US VIA Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com We are authorized financial consultants providing reliable loans to individuals and funding for business, home, personal and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $5,000.00 to $650,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? If Yes worry no more for we are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. Contact us on the following Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com Loan Offer Alert For Everyone! Are you financially down and you need an urgent credit/financial assistance? Or are you in need of a loan to start-up/increase your business or buy your dream house.Do you have a bad credit? Do you need money to pay bills? Do you need loan to buy, refinance or renovate your hotel? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? BENJAMIN LOAN INVESTMENTS FINANCE aims is to provide excellent professional financial services which include the followings *1* Personal loan *2* Business loan *3* Home loan *4* Farm Loan *5* Education loan *6* Debt consolidation loan *7* Truck Loan *8* Car Loan *9* Eviction Loan *10* Equipment Loan *11* Hotels Loan *12* Refinancing Loan and many more NOTE: GET YOUR INSTANT LOAN APPROVAL 100% GUARANTEED TODAY NO MATTER YOUR CREDIT SCORE. drbenjaminfinance@gmail.com Yours Sincerely, Dr Benjamin Scarlett Owen +1(415)630-7138 drbenjaminfinance@gmail.com We are certified and your privacy is 100% safe with us. Worry no more about your financial problems.
  78. Dr. Bradley Louis
    DO YOU THINK OF GETTING A LOAN?? APPLY TODAY FOR AFFORDABLE 100% LEGITIMATE HOME/REAL ESTATE/PERSONAL/BUSINESS LOANS Email for immediate response: (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more for we are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 Need emergency funds? Apply now and get your cash approval. we offer the following financial services: *Personal loans, *Debt consolidation loans, *Venture capital, *Business loans, *Education loans, *Home loans *Car Loans *Hotel Loans And many more. Are you looking for genuine loan? contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate? Are you in any financial mess or do you need funds to start up your own home project and real estate development? Do you need a loan to start a nice small or large scale and medium business? contact us today (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 Look forward to your response, Dr. Bradley Louis Text/Call (917) 383-2689
  79. KEMALA JAYACHANDRA
    Assalamualaikum Nama saya Kemala Jayachandra Dari Jakarta selatan Indonesia e-mail: kemalajayachandra438@gmail.com Saya berterima kasih kepada ALLAH untuk membuat kesedihan saya berakhir melalui RYAN CEANIC LOAN FIRM untuk beberapa waktu sekarang perdagangan saya telah turun dan saya telah mencari pinjaman besar untuk meningkatkan perdagangan saya kembali, saya telah ditipu berkali-kali semua janji saya pada pinjaman tetapi mereka selalu menipu dan berbohong kepada saya, jadi saya bertemu RYAN CEANIC dan memberi saya pinjaman Rp 1 miliar (Rp 1.000.000.000), saya hanya melakukan pembayaran untuk asuransi pinjaman dan biaya transfer sebelum pinjaman saya ditransfer ke rekening saya, mereka yang mencari pinjaman harus hati-hati karena 75% dari pinjaman online itu palsu, bagi mereka yang mencari pinjaman harus menghubungi RYAN CEANIC LOAN FIRM adalah 100% peminjam pinjaman online, E-mail: ryanceanicloanfm@protonmail.ch Whatsapps: +4915772501298
  80. Dr Benjamin Scarlett Owen
    LOAN OFFER TODAY WITHOUT COST/STRESS CONTACT US VIA Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? BENJAMIN LOAN INVESTMENTS FINANCE is the solution to your financial misfortune. We offer all types of loan ranging from $5,000.00 to $533,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap.Reduce your payments to ease the strain on your monthly expenses by Contacting us on the following Call/Text +1(415)630-7138 Email drbenjaminfinance@gmail.com
  81. Dr. Bradley Louis
    DO YOU THINK OF GETTING A LOAN?? APPLY TODAY FOR AFFORDABLE 100% LEGITIMATE HOME/REAL ESTATE/PERSONAL/BUSINESS LOANS Email for immediate response: (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 DO YOU NEED A LOAN? Are Financially down, Cry no more, Financial problem is nothing to cry about, it something we will have to fight against in one Love, Understanding, Trust and Unity. So our faith as Legitimate Financial Consultants is putting an end to the financial hardship. We are investors providing financial services and we specialize in both start up projects,Home Finance and existing businesses needing funding or Loan for expansion. We are committed to helping businesses develop and succeed.Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Do you need an urgent loan to buy a house? If Yes worry no more for we are out here to help the less financial privileges get the loan they need to get back on their feet no matter your credit score, you can say goodbye to all your financial crisis and difficulties. We offer loans ranging from ($5,000.00.USD To $500,000,000.00.USD) At a low and affordable interest rate of 2%, without collateral and without credit check. Bradley Louis Loans holds all of the information about how to obtain money quickly and painlessly (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 Need emergency funds? Apply now and get your cash approval. we offer the following financial services: *Personal loans, *Debt consolidation loans, *Venture capital, *Business loans, *Education loans, *Home loans *Car Loans *Hotel Loans And many more. Are you looking for genuine loan? contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problem and in need of solution to it at an affordable interest rate? Are you in any financial mess or do you need funds to start up your own home project and real estate development? Do you need a loan to start a nice small or large scale and medium business? contact us today (dr.bradleylouisloans@gmail.com) Text/Call (917) 383-2689 Look forward to your response, Dr. Bradley Louis Text/Call (917) 383-2689
  82. ELODIE ETIENNE
    GET THE BLANK ATM CARD AND BECOME RICH Hackers with the above email (martinshackers22@gmail.com) its at it again! Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction is can’t be traced .You can use it anywhere in the world. With this card,you can withdraw the sum of $5,000 a day. So to get the card,reach the hackers via email address : martinshackers22@gmail.com..please don’t contact him if you are not serious minded.... CONTACT: MR MARTINS at martinshackers22@gmail.com OR whatsApp him on +905525870924 TO GET YOURS NOW…
  83. Mrs Abigail Mills
    Hello everyone my name is katheryn Liz Rhea am from San Francisco USA. I just received my loan now from Mrs Abigail Mills loan company they are new legit loan company of 2020 and it has not been long i received my loan from them i got my loan from them today and now as am posting this message i am very happy this company is real great so anyone that need a loan contact this company they are real great their mail is abigailmills.loans227@gmail.com
  84. Gwendolyn Shirley Tammie
    My name is Gwendolyn Shirley Tammie and i am from Houston,Texas in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com
  85. Leores M Jazbel
    TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com I am Mrs,Leores Jazbel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Jazbel direct you Good Luck.......................
  86. BENJAMIN INVESTMENTS
    INSTANT AFFORDABLE PERSONAL/BUSINESS/HOME/INVESTMENT LOAN OFFER WITHOUT COST/STRESS CONTACT US TODAY VIA Whatsapp +19292227023 Email drbenjaminfinance@gmail.com We are financial consultants providing reliable loans to individuals and funding for business, home and projects start up. Are you tired of seeking loans or are you in any financial mess. Do you have a low credit score, and you will find it difficult to get loans from banks and other financial institutions? then worry no more for we are the solution to your financial misfortune. we offer all types of loan ranging from $5,000.00 to $533,000,000.00USD with a low interest rate of 2% and loan duration of 1 to 35 years to pay back the loan secure and unsecured. Are you losing sleep at nights worrying how to get a Legit Loan Lender? Contact us via Whatsapp +19292227023 Email drbenjaminfinance@gmail.com Share this to help a soul right now, Thanks
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