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class="c-link" href="/sport/tennis" aria-hidden="true" tabindex="-1">Tennis</a></li></ul></div></li><li class="section-item" data-testid="nav-chain-section-item"><div data-testid="nav-chain-section-item-subsection" class="c-stack b-header-nav-chain__subsection-anchor subsection-anchor " data-style-direction="horizontal" data-style-justification="start" data-style-alignment="center" data-style-inline="false" data-style-wrap="nowrap"><a class="c-link" href="/your-money" aria-hidden="true" tabindex="-1">Your Money</a><button aria-expanded="false" aria-controls="header_sub_section_your-money" aria-label="Show Your Money sub sections" class="c-button c-button--medium c-button--default submenu-caret" type="button"><span><svg class="c-icon" width="20" height="20" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" fill="currentColor" aria-hidden="true" focusable="false"><path d="M256 416C247.812 416 239.62 412.875 233.38 406.625L41.38 214.625C28.88 202.125 28.88 181.875 41.38 169.375C53.88 156.875 74.13 156.875 86.63 169.375L256 338.8L425.4 169.4C437.9 156.9 458.15 156.9 470.65 169.4C483.15 181.9 483.15 202.15 470.65 214.65L278.65 406.65C272.4 412.9 264.2 416 256 416Z"></path></svg></span></button></div><div class="b-header-nav-chain__subsection-container "><ul class="b-header-nav-chain__subsection-menu" id="header_sub_section_your-money"><li class="subsection-item" data-testid="nav-chain-subsection-item"><a class="c-link" href="/tags/pricewatch" aria-hidden="true" tabindex="-1">Pricewatch</a></li><li class="subsection-item" data-testid="nav-chain-subsection-item"><a class="c-link" href="/budget/" aria-hidden="true" tabindex="-1">Budget 2025</a></li></ul></div></li><li class="section-item" data-testid="nav-chain-section-item"><div data-testid="nav-chain-section-item-subsection" class="c-stack b-header-nav-chain__subsection-anchor subsection-anchor " data-style-direction="horizontal" data-style-justification="start" data-style-alignment="center" data-style-inline="false" data-style-wrap="nowrap"><a class="c-link" href="/crime-law" aria-hidden="true" tabindex="-1">Crime & Law</a><button aria-expanded="false" aria-controls="header_sub_section_crime-law" aria-label="Show Crime & Law sub sections" class="c-button c-button--medium c-button--default submenu-caret" type="button"><span><svg class="c-icon" width="20" height="20" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" fill="currentColor" aria-hidden="true" focusable="false"><path d="M256 416C247.812 416 239.62 412.875 233.38 406.625L41.38 214.625C28.88 202.125 28.88 181.875 41.38 169.375C53.88 156.875 74.13 156.875 86.63 169.375L256 338.8L425.4 169.4C437.9 156.9 458.15 156.9 470.65 169.4C483.15 181.9 483.15 202.15 470.65 214.65L278.65 406.65C272.4 412.9 264.2 416 256 416Z"></path></svg></span></button></div><div class="b-header-nav-chain__subsection-container "><ul class="b-header-nav-chain__subsection-menu" id="header_sub_section_crime-law"><li class="subsection-item" 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202.125 28.88 181.875 41.38 169.375C53.88 156.875 74.13 156.875 86.63 169.375L256 338.8L425.4 169.4C437.9 156.9 458.15 156.9 470.65 169.4C483.15 181.9 483.15 202.15 470.65 214.65L278.65 406.65C272.4 412.9 264.2 416 256 416Z"></path></svg></span></button></div><div class="b-header-nav-chain__subsection-container "><ul class="b-header-nav-chain__subsection-menu" id="header_sub_section_property"><li class="subsection-item" data-testid="nav-chain-subsection-item"><a class="c-link" href="/property/residential" aria-hidden="true" tabindex="-1">Residential</a></li><li class="subsection-item" data-testid="nav-chain-subsection-item"><a class="c-link" href="/property/commercial-property" aria-hidden="true" tabindex="-1">Commercial Property</a></li><li class="subsection-item" data-testid="nav-chain-subsection-item"><a class="c-link" href="/property/interiors" aria-hidden="true" tabindex="-1">Interiors</a></li></ul></div></li><li class="section-item" data-testid="nav-chain-section-item"><div 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data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><h1 class="c-heading">Business</h1><div class="b-section-title__links"><a class="c-link" href="/business/economy/">Economy</a><span class="c-separator"></span><a class="c-link" href="/business/financial-services/">Financial Services</a><span class="c-separator"></span><a class="c-link" href="/business/innovation/">Innovation</a><span class="c-separator"></span><a class="c-link" href="/business/markets/">Markets</a><span class="c-separator"></span><a class="c-link" href="/business/work/">Work</a><span class="c-separator"></span><a class="c-link" href="/budget/">Budget 2025</a><span class="c-separator"></span><a class="c-link" href="/your-money/">Your Money</a><span class="c-separator"></span><a class="c-link" href="/technology/">Technology</a><span class="c-separator"></span><a class="c-link" href="/property/commercial-property/">Commercial Property</a><span class="c-separator"></span><a class="c-link" href="/podcasts/inside-business/">Inside Business Podcast</a><span class="c-separator"></span><a class="c-link" href="/tags/top1000/">Top 1000</a><span class="c-separator"></span><a class="c-link" href="/tags/businessperson-awards/">Business Awards</a><span class="c-separator"></span><a class="c-link" href="/tags/ey-entrepreneur-of-the-year/">EY Awards</a></div></div><hr class="c-divider b-it-divider-block"/><div id="lazy_60179" class="lazy_container"><div class="b-flex-chain"><div class="b-flex-chain__grid-container b-flex-chain__grid-container__453 has-divider gap-divider"><div class="c-stack grid-item grid-column-span-4" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-flex-promo-list-block" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap" style="--c-stack-gap:1rem"><article class="b-flex-promo-card bottom-divider"><div class="b-flex-promo-card__text"><div class="b-flex-promo-card__text-no-overline"><h3 class="c-heading c-heading__lead text-align_left"><a class="c-link font-bold" href="/your-money/2024/11/29/retailers-taken-to-court-over-fake-discounts-as-black-friday-starts-christmas-sales-season/">Retailers taken to court over ‘fake discounts’ as Black Friday starts Christmas sales season</a></h3><div class="b-flex-promo-card__metadata"><span class="c-it-byline c-it-byline--list"><span>By</span><span> Conor Pope</span><span class="c-separator"></span></span><time class="c-it-promo-date" dateTime="2024-11-29T00:15:00Z">Fri Nov 29 2024 - 00:15</time></div></div></div></article></div><div class="c-stack b-flex-promo-list-block" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap" style="--c-stack-gap:1rem"><article class="b-flex-promo-card bottom-divider"><div class="b-flex-promo-card__text"><div class="b-flex-promo-card__text-no-overline"><h3 class="c-heading c-heading__md text-align_left"><a class="c-link font-bold" href="/business/2024/11/29/byrne-wallace-and-lk-shields-two-of-irelands-largest-law-firms-agree-to-merge/">Byrne Wallace and LK Shields, two of Ireland’s largest law firms, agree to merge </a></h3><p class="c-paragraph"><a class="c-link b-flex-promo-card__link" href="/business/2024/11/29/byrne-wallace-and-lk-shields-two-of-irelands-largest-law-firms-agree-to-merge/">Merger to create Byrne Wallace Shields will help firms target ‘larger mandates’ from existing and new clients</a></p><div class="b-flex-promo-card__metadata"><time class="c-it-promo-date" dateTime="2024-11-29T10:00:00Z">Fri Nov 29 2024 - 10:00</time></div></div></div></article></div><div class="c-stack b-flex-promo-list-block" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap" style="--c-stack-gap:1rem"><article class="b-flex-promo-card bottom-divider"><div class="b-flex-promo-card__text"><div class="b-flex-promo-card__text-no-overline"><h3 class="c-heading c-heading__md-sm text-align_left"><a class="c-link font-bold" href="/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/">Dell Products hit by demand slump, reports revenue drop</a></h3><p class="c-paragraph"><a class="c-link b-flex-promo-card__link" href="/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/">Company’s $11.6m tax bill included $9.6m in Irish corporation tax</a></p><div class="b-flex-promo-card__metadata"><time class="c-it-promo-date" dateTime="2024-11-29T17:50:05.579Z">Fri Nov 29 2024 - 17:50</time></div></div></div></article></div></div><div class="c-stack grid-item grid-column-span-5" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-flex-promo-list-block" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap" style="--c-stack-gap:1rem"><article class="b-flex-promo-card bottom-divider"><figure class="c-media-item"><div style="aspect-ratio:1.5;background-color:var(--global-neutral-1)" class=""><a class="c-link b-flex-promo-card__link" href="/business/2024/11/29/tonight-show-presenters-ciara-doherty-and-claire-brock-leave-virgin-media-television/" aria-hidden="true" tabindex="-1"><img data-chromatic="ignore" alt="Tonight Show presenters Ciara Doherty and Claire Brock leave Virgin Media Television" class="c-image" loading="lazy" src="https://www.irishtimes.com/resizer/v2/M2T33PEFNVDTJIYPGZFFS5BVQM.jpg?smart=true&auth=5af373ff2960e7e42cbf1725bcd80cdfe0b2ef4a0791deec917c97428756d937&width=800&height=533" srcSet="https://www.irishtimes.com/resizer/v2/M2T33PEFNVDTJIYPGZFFS5BVQM.jpg?smart=true&auth=5af373ff2960e7e42cbf1725bcd80cdfe0b2ef4a0791deec917c97428756d937&width=400&height=266 400w, https://www.irishtimes.com/resizer/v2/M2T33PEFNVDTJIYPGZFFS5BVQM.jpg?smart=true&auth=5af373ff2960e7e42cbf1725bcd80cdfe0b2ef4a0791deec917c97428756d937&width=440&height=293 440w, https://www.irishtimes.com/resizer/v2/M2T33PEFNVDTJIYPGZFFS5BVQM.jpg?smart=true&auth=5af373ff2960e7e42cbf1725bcd80cdfe0b2ef4a0791deec917c97428756d937&width=800&height=533 800w" sizes="(max-width: 400px) 400px, (max-width: 440px) 440px, (min-width: 441px) 800px" width="800" height="533"/></a></div></figure><div class="b-flex-promo-card__text"><div class="c-grid b-it-overline-block"><div class="c-stack" data-style-direction="horizontal" data-style-justification="start" data-style-alignment="center" data-style-inline="false" data-style-wrap="nowrap" style="--c-stack-gap:0"><span class="c-stack b-it-overline-block__text" data-style-direction="horizontal" data-style-justification="center" data-style-alignment="center" data-style-inline="false" data-style-wrap="wrap"><a class="c-link false" href="/business/">Business</a></span></div></div><div class="b-flex-promo-card__text-no-overline"><h3 class="c-heading c-heading__md-sm text-align_left"><a class="c-link font-bold" href="/business/2024/11/29/tonight-show-presenters-ciara-doherty-and-claire-brock-leave-virgin-media-television/">Tonight Show presenters Ciara Doherty and Claire Brock leave Virgin Media Television</a></h3><p class="c-paragraph"><a class="c-link b-flex-promo-card__link" href="/business/2024/11/29/tonight-show-presenters-ciara-doherty-and-claire-brock-leave-virgin-media-television/">Two long-serving journalists will depart the broadcaster after election coverage as number of shows is cut in half</a></p><div class="b-flex-promo-card__metadata"><span class="c-it-byline c-it-byline--list"><span>By</span><span> Laura Slattery</span><span class="c-separator"></span></span><time class="c-it-promo-date" dateTime="2024-11-29T18:16:44.921Z">Fri Nov 29 2024 - 18:16</time></div></div></div></article></div></div><div class="c-stack grid-item grid-column-span-3" data-style-direction="vertical" data-style-justification="start" data-style-alignment="unset" data-style-inline="false" data-style-wrap="nowrap"><div class="c-grid b-top-table-list"><div class="c-grid b-top-table-list-small-container b-top-table-list-small-container--1"><article class="c-grid b-top-table-list-small b-top-table-list-small--right"><h3 class="c-heading"><a class="c-link" href="/business/work/2024/11/29/is-there-such-a-thing-as-too-much-parental-leave/">Is there such a thing as too much parental leave?</a></h3><a class="c-link" href="/business/work/2024/11/29/is-there-such-a-thing-as-too-much-parental-leave/" aria-hidden="true" tabindex="-1"><figure class="c-media-item"><img data-chromatic="ignore" alt="Is there such a thing as too much parental leave?" class="c-image" loading="lazy" src="https://www.irishtimes.com/resizer/v2/DABXXOICSNDHLIT6EDDEY7UCMA.jpg?smart=true&auth=071b9c51a1ddffa50244c7e506474be9756b98ecb4215c56c036aec79b3e0848&width=800&height=533" srcSet="https://www.irishtimes.com/resizer/v2/DABXXOICSNDHLIT6EDDEY7UCMA.jpg?smart=true&auth=071b9c51a1ddffa50244c7e506474be9756b98ecb4215c56c036aec79b3e0848&width=400&height=266 400w, https://www.irishtimes.com/resizer/v2/DABXXOICSNDHLIT6EDDEY7UCMA.jpg?smart=true&auth=071b9c51a1ddffa50244c7e506474be9756b98ecb4215c56c036aec79b3e0848&width=600&height=399 600w, https://www.irishtimes.com/resizer/v2/DABXXOICSNDHLIT6EDDEY7UCMA.jpg?smart=true&auth=071b9c51a1ddffa50244c7e506474be9756b98ecb4215c56c036aec79b3e0848&width=800&height=533 800w, 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data-style-direction="horizontal" data-style-justification="space-between" data-style-alignment="start" data-style-inline="false" data-style-wrap="nowrap"><div class="c-stack b-it-our-writers__writer_text" data-style-direction="vertical" data-style-justification="start" data-style-alignment="start" data-style-inline="false" data-style-wrap="nowrap"><a class="c-link" href="/author/john-fitzgerald/"><h3 class="c-heading b-it-our-writers__writer_name">John FitzGerald</h3></a><a class="c-link" href="/business/economy/2024/11/29/john-fitzgerald-how-could-the-eu-respond-if-trump-imposes-tariffs/"><h4 class="c-heading b-it-our-writers__writer_description">How could the EU respond if Trump imposes tariffs?</h4></a></div><div class="c-stack b-it-our-writers__writer_image" data-style-direction="vertical" data-style-justification="center" data-style-alignment="start" data-style-inline="false" data-style-wrap="nowrap"><a class="c-link" 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forgotten dubious moment from the US presidential election campaign trail was <a href=\"https://www.irishtimes.com/tags/jd-vance/\" target=\"_blank\">JD Vance</a> castigating <a href=\"https://www.irishtimes.com/tags/kamala-harris/\" target=\"_blank\">Kamala Harris</a> for a dozen eggs costing $4 €3.78) while standing in front of a supermarket display that was clearly selling them for $2.99.","type":"text"},{"_id":"52S6TDVWZRFSHAB5VIQGYA6VZA","additional_properties":{"_id":1732728152458},"content":"Logic-scrambling though this may have been, there was a solid reason why Donald Trump and his vice-presidential pick wanted to talk about the price of consumer staples, and why, after Trump won, the Republican focus on “eggflation” was said to have helped the party poach voters.","type":"text"},{"_id":"LSAT2RHD7NHIXLZ2OSOKFQNRKQ","additional_properties":{"_id":1732728152459},"content":"As economist Austin Hughes points out in his commentary on November’s Credit Union consumer sentiment 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Prices then fell back, dropping to $3.32 in October 2024, but this still represents a cumulative increase of 82 per cent over the past three years – a leap exacerbated by bird flu.","type":"text"},{"_id":"WBIINLF5IVEYRDMCVJAEBZRZ3Q","additional_properties":{"_id":1732728152460},"content":"Such increases tend to “exert an outsized impact on consumer thinking as to how severe the cost-of-living pressures they face may be”, says Hughes in his analysis of the “eggonomy”.","type":"text"},{"_id":"KJIEH4AWDBG7TGQYXHL5SKV22E","additional_properties":{"_id":1732728152461},"content":"In other words, dramatic price movements for just one frequently bought consumer staple can deepen the “feel-bad” factor among consumers. This is especially likely if inflation for the product in question was stable for much of the previous decade.","type":"text"},{"_id":"ZWNJLTTJS5AKXDCQ4Q3OJKX3HM","additional_properties":{"_id":1732728152462},"content":"“Although economists may rightly pay more attention to broader-based and statistically robust measures of inflation, for the average consumer, and particularly for lower-income and cash-constrained households, the change in the price of staples such as eggs probably does more to capture the nature and degree of the cost pressures they currently face,” writes Hughes.","type":"text"},{"_id":"7QQHUVTCGJEXJJM4Z6RW4OF36M","additional_properties":{"_id":1732728152463},"content":"Over the same three-year period, the average price of dozen eggs in Ireland rose by a more modest 25.8 per cent, from €3.56 to €4.48.","type":"text"},{"_id":"65JG5WRV6NGQFEXHRHJT56MDTM","additional_properties":{"_id":1732730700319},"content":"Overall food inflation, however, was slightly sharper in the Irish economy, reaching 6.4 per cent compared with 6.2 per cent in the US. Food inflation was lower here than in the US during the 2010-2019 period, suggesting “a correspondingly larger shock to household budgeting”.","type":"text"},{"_id":"3NQPTQSCZFGHHHTNHDBF5NXFTM","additional_properties":{"_id":1732728152464},"content":"When it comes to the electorate’s support for Government parties on Friday, it would not be unprecedented if this shock was to leave something of a crack.","type":"text"},{"_id":"SSNEKINYZNGYDIWUBNU7SFUN7Q","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cantillon"}},"name":"Richard Cantillon"}]},"description":{"basic":"‘Eggflation’ here hasn’t been as stark as in the US, where the Republicans’ focus on it helped Trump win votes. 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Nationwide had previously estimated that the accounting gain – known as negative goodwill, or badwill – resulting from acquiring Virgin at a discount to its fair value would amount to £1.5 billion.","type":"text"},{"_id":"V7KOWHHHPVH4XOELBAEH5JL7FU","additional_properties":{"_id":1732726207414},"content":"Badwill – which, contrary to how it sounds, is a good thing if you’re a buyer – has been a regular feature of bank deals in recent years, given how shares across sector have consistently traded at a discount to their book value. Book value is the value a company puts on its assets if it were liquidated.","type":"text"},{"_id":"G5J35CMYERCUZDWXAZDSQXSE7U","additional_properties":{"_id":1732726207415},"content":"Take PTSB. It booked a €362 million merger and acquisition (M&A) accounting windfall in 2023 when it took over much of Ulster Bank’s loan book as the UK-owned bank hastened a retreat from the market. This helped PTSB avoid having to go cap in hand to shareholders – led by the Government – to raise equity to complete the purchase.","type":"text"},{"_id":"GVVOO44DMVAVLNDA52ASUH5664","additional_properties":{"_id":1732726207416},"content":"On the other end of the spectrum, Swiss banking giant UBS generated an eye-watering $29 billion (€27.4 billion) last year snapping up its troubled rival Credit Suisse at a deep discount in a deal orchestrated by Swiss authorities.","type":"text"},{"_id":"IDXLX4IVC5EZPEPEXOGL7TVPA4","additional_properties":{"_id":1732726207417},"content":"Back in the UK, while Virgin shareholders ended up selling out at discount to book value, the takeover bid in March was still priced at a 38 per cent premium to Virgin Money’s “undisturbed price” before the tie-up talks were disclosed.","type":"text"},{"_id":"Y2NN2L67LRFWVMKPIJJ3W3QWGA","additional_properties":{"_id":1732726207418},"content":"Duffy, who stepped down as chief executive as the tie-up was completed at the end of September, is estimated to have secured a pay-day worth as much as £15.3 million (€18.3 million) through the sale of shares he held in the bank.","type":"text"},{"_id":"K5CW6WDOQZGHFMPS42NDHTPC3M","additional_properties":{"_id":1732726207419},"content":"That included shares stemming from unvested stock awards that stood to be converted as part of the deal for executives in good standing. A goodwill gesture, if you will.","type":"text"},{"_id":"SSNEKINYZNGYDIWUBNU7SFUN7Q","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cantillon"}},"name":"Richard Cantillon"}]},"description":{"basic":"Former AIB boss estimated to have secured an €18.3m pay-day on sale of shares in British lender in takeover"},"display_date":"2024-11-28T05:00:00Z","headlines":{"basic":"David Duffy’s former Virgin Money delivers £2.3bn ‘badwill’ cheer","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"M5T7GAOT3JCSHHP2OABACDYE4Y","auth":{"1":"f7b5986022d84f33cd4c61e90959638fc164c234a367cee705c869e00d8c23e9"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/M5T7GAOT3JCSHHP2OABACDYE4Y.jpg"}},"subtype":"columnist","taxonomy":{"sections":[{"name":"Business"},{"name":"Financial Services"}]},"type":"story","website_url":"/business/2024/11/28/david-duffys-former-virgin-money-delivers-23bn-badwill-cheer/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"4QAEHUWWVRH6TKZQNPCJNWWGC4","additional_properties":{"audio_duration":135,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/17b30200-f8ff-48dc-8905-6ebb78127700/versions/1732562214/media/9ea54ee4c8acd239cb403886605cd0cc_compiled.mp3"},"canonical_url":"/business/2024/11/26/what-consumer-sentiment-tells-us-about-the-election/","content_elements":[{"_id":"5NYDWBZEQFF3JDD33IICZQN3VI","additional_properties":{"_id":1732544277162},"content":"According to the <a href=\"https://www.irishtimes.com/tags/irish-league-of-credit-unions/\" target=\"_blank\">Irish League of Credit Unions</a>’ monthly barometer, consumer sentiment here has been hovering within a relatively narrow band for 12 months, a range that could be crudely interpreted as meaning two things.","type":"text"},{"_id":"G747L34LHVBE7LTFBPOZANL6BM","additional_properties":{"_id":1732549996380},"content":"First, there’s been no big change in the economic circumstances of households here over the past year (at least none on the scale seen in the previous two years). And also that consumers, while slightly more optimistic as cost-of-living pressures ease, remain cautious about the economic outlook. That caution probably accelerated with this month’s US election which placed Donald Trump and his protectionist agenda back in the White House.","type":"text"},{"_id":"KY2HCXWZRZACHOMA3UYJMTSMQQ","additional_properties":{"_id":1732549996382},"content":"We’ll get the latest reading on Wednesday when the November gauge is published, just <a href=\"https://www.irishtimes.com/election2024/\" target=\"_blank\">two days before the country goes to polls</a>.","type":"text"},{"_id":"ABGUP7XQAZGF7JPDMPJTTVSCVE","additional_properties":{"_id":"SV32X2LR2BHFXGXFMEMNE2D4A4"},"embed":{"config":{},"id":"acast_podcast-73683","url":"/"},"subtype":"acast_podcast","type":"custom_embed"},{"_id":"TIUHCPDFMZGKPE7EB6U3UGXZFI","additional_properties":{"_id":1732549996383},"content":"What we can infer from that measure about the mood of the electorate is difficult to say. The interface between economic sentiment and political preference is not straightforward and certainly not when two of the big three parties have been working under the same banner for the past four years.","type":"text"},{"_id":"PLUAKAWJ7FHHRLVKMVULLFDSC4","additional_properties":{"_id":1732549996384},"content":"One thing that emerged in the US election and may yet play out here is the disjuncture between headline macro data like employment and growth, which was vaguely positive in the US in the lead-up to the vote but seemingly out of kilter with what ordinary voters were feeling.","type":"text"},{"_id":"F233HPA3FNC5DMNPNXR2OVXQAU","additional_properties":{"_id":"IKPM5KHZZVES5AYH5P4MFB4ZTY"},"content":"Has Fingal County Council found a solution to Ireland’s housing crisis?","type":"interstitial_link"},{"_id":"RJS7VG3JQJF7VNRUQ3M2FBWH4I","additional_properties":{"_id":1732549996385},"content":"Ireland may be at full employment and the Government in a strong financial position but voters are continuing to highlight cost-of-living issues and a general dissatisfaction with the outlook for housing.","type":"text"},{"_id":"WGGIIHFZAVCZ3CSC7I3TBAQMQI","additional_properties":{"_id":1732549996386},"content":"Austin Hughes, author of the league of credit unions’ report, says there is a central problem in economics with using average or median figures. “The idea that there is a ‘representative’ Irish consumer whose experience is mirrored across all households is not challenged enough,” he says.","type":"text"},{"_id":"PZTHVLCLRVGU7MPIMKZQ2S2OIM","additional_properties":{"_id":1732549996387},"content":"Much of the economic data here are based on cumulative numbers which can exaggerate economic performance or run counter to the real feel of the economy.","type":"text"},{"_id":"SSNEKINYZNGYDIWUBNU7SFUN7Q","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cantillon"}},"name":"Richard Cantillon"}]},"description":{"basic":"November’s Irish League of Credit Unions’ survey will be published on Wednesday"},"display_date":"2024-11-26T06:00:00Z","headlines":{"basic":"What consumer sentiment tells us about the election","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"ULRKDBM34FCV3KON4GYPV6HGCU","auth":{"1":"42244b09f01dd6062ee6ae6e790abdf24dd29e007ab85dd5273d6866cc1c50cb"},"focal_point":{"x":2550,"y":1095},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/ULRKDBM34FCV3KON4GYPV6HGCU.JPG"}},"subtype":"columnist","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/26/what-consumer-sentiment-tells-us-about-the-election/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"2Y2RESA5NBHADC752SMWNY4CHY","additional_properties":{"audio_duration":158,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/33bba7a6-a496-4093-b96c-ccfb04aab229/versions/1732563675/media/01886924b61771e201f82e457e7be40d_compiled.mp3"},"canonical_url":"/business/economy/2024/11/26/medicines-sector-puts-ireland-inc-on-notice/","content_elements":[{"_id":"5NYDWBZEQFF3JDD33IICZQN3VI","additional_properties":{"_id":1732553004895},"content":"Ireland Inc is currently preoccupied with the intent of <a href=\"https://www.irishtimes.com/tags/donald-trump\" target=\"_blank\">Donald Trump</a> after he takes office in January, most particularly in relation to trade policy and the likelihood or otherwise of tariffs as well as a concerted push to persuade US companies to onshore production back home.","type":"text"},{"_id":"ICDBSVA6SFBKFCYELMMDQVWKWI","additional_properties":{"_id":1732555259644},"content":"The pharmaceuticals sector is particularly wary as it accounts for the largest share of Irish exports and the US is the single most significant destination for our exports.","type":"text"},{"_id":"LJTQCKFC6FCEXFE2LV56Q6DFDA","additional_properties":{"_id":1732555259645},"content":"But, according to Lars Fruergaard Jørgensen, Ireland should have more immediate concerns about the future of what is a critically important sector to the Irish economy.","type":"text"},{"_id":"LJTQCKFC6FCEXFE2LV56Q6DFDA","additional_properties":{"_id":1732555259646},"content":"Mr Jørgensen is chief executive of <a href=\"https://www.irishtimes.com/tags/novo-nordisk\" target=\"_blank\">Novo Nordisk</a> – the company behind “wonder” obesity drugs Wegovy and Ozempic, and historically an industry leader in diabetes care – which is investing heavily to rapidly ramp up supply, including in Ireland. He is also the president of the <a href=\"https://www.irishtimes.com/tags/european-federation-of-pharmaceutical-industries-and-associations\" target=\"_blank\">European Federation of Pharmaceutical Industries and Associations</a> (Efpia), which represents drug developers across Europe. He is uniquely placed at the crossroads of industry and policymaking.","type":"text"},{"_id":"GJY2VERNONBBFNOXAJ7HWSL5LY","additional_properties":{"_id":1732555259647},"content":"And he thinks Ireland needs to do more to make Europe a hospitable environment for the pharmaceuticals sector.","type":"text"},{"_id":"3YMQ5CEOYBH77JGVUSVDQ3QA7A","additional_properties":{"_id":1732555259648},"content":"In an opinion piece for The Irish Times, Mr Jørgensen said he and his industry peers were uncertain “about whether Ireland is really committed to making medicines its future”.","type":"text"},{"_id":"NZENKTKRGNFXNMXKENVIPLK2FY","additional_properties":{"_id":1732555259649},"content":"His comments come in advance of a meeting of health ministers from across the European Union next Tuesday in Brussels to discuss, among other things, European Commission proposals to reduce the period of exclusivity granted to medicine developers by way of regulatory data protection to six years from eight.","type":"text"},{"_id":"N4R7DWU2F5CLZPXL665W7UWI4E","additional_properties":{"_id":1732555259650},"content":"The Novo Nordisk boss makes the point that EU’s regulatory exclusivity for biological medicines is already shorter than in the United States. The commission proposals would only widen that gap.","type":"text"},{"_id":"AFS3PMFJZ5G3DLTHHA5T4WC6IE","additional_properties":{"_id":1732555259651},"content":"“Given the long-term nature of our sector, we must be confident when we make investment decisions. We need certainty that Ireland and Europe will be the right place to develop, make and use the medicines of tomorrow,” Mr Jørgensen wrote.","type":"text"},{"_id":"GAWKXBJFH5ALVLOX7WWFKKOBJU","additional_properties":{"_id":1732555259652},"content":"If the industry heavyweight is to be believed, it appears the more immediate threat to the future of Ireland’s pharmaceuticals sector could be much closer to home than Mr Trump’s White House.","type":"text"},{"_id":"SSNEKINYZNGYDIWUBNU7SFUN7Q","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cantillon"}},"name":"Richard Cantillon"}]},"description":{"basic":"Brussels rather than the Trump White House is seen by industry as the more immediate threat to its wellbeing"},"display_date":"2024-11-26T05:00:00Z","headlines":{"basic":"Medicines sector puts Ireland Inc on notice ","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"G7K7PRED2SWE3HOEHUKQCYQ7CQ","auth":{"1":"d00a913691f07656c70c6210957b6ac3c9a368883fc278472fd3f32e75b7e223"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/G7K7PRED2SWE3HOEHUKQCYQ7CQ.jpg"}},"subtype":"columnist","taxonomy":{"sections":[{"name":"Economy"},{"name":"Health"},{"name":"Business"}]},"type":"story","website_url":"/business/economy/2024/11/26/medicines-sector-puts-ireland-inc-on-notice/","websites":{"irishtimes":{"website_section":{"_id":"/business/economy","additional_properties":{"original":{}},"name":"Economy"}}}},{"_id":"GTQOQDA7VVHSJNEVK7E3VHEPHE","additional_properties":{"audio_duration":168,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/2d2c5b28-8da2-41fd-9e48-72284e033214/versions/1732310284/media/056eb1b0f5590cf6e6f73d0c2f1710d7_compiled.mp3"},"canonical_url":"/business/markets/2024/11/24/balmoral-shows-small-investors-the-door/","content_elements":[{"_id":"SSNEKINYZNGYDIWUBNU7SFUN7Q","additional_properties":{"_id":1732298997989},"content":"The Irish Stock Exchange, or <a href=\"https://www.irishtimes.com/tags/euronext-dublin/\" target=\"_blank\">Euronext Dublin</a> as it is now known, spends a lot of time and lobbying muscle telling the Government it needs support to help make the stock market more attractive to small investors who traditionally are more likely to leave their savings on deposit than in shares.","type":"text"},{"_id":"VDTPC2OZYRGXHI4AGHZZGHLG2Y","additional_properties":{"_id":1732306901843},"content":"<a href=\"https://www.irishtimes.com/tags/balmoral-international-land/\" target=\"_blank\">Balmoral International Land</a> delisted from the exchange more than a decade ago, but given how the company has effectively moved to force small investors off its share register, it begs the question why the so-called “little guy” would want to invest in shares in general.","type":"text"},{"_id":"BMMM2RXDMNGUDDRRCS3OKPFGCI","additional_properties":{"_id":1732298997991},"content":"At a gathering in <a href=\"https://www.irishtimes.com/tags/arthur-cox/\" target=\"_blank\">Arthur Cox</a>’s office this week some of Irish commerce’s blue bloods told thousands of small shareholders they were no longer welcome as investors in the listed business.","type":"text"},{"_id":"KJNOMCCTCZB4VKXJX5V24G4EJ4","additional_properties":{"_id":1732298997992},"content":"The McCann family owns a majority stake in Balmoral International Land, formerly Blackrock International Land, the property business spun out of one of their previously listed businesses – fruit importer and distributor <a href=\"https://www.irishtimes.com/tags/fyffes/\" target=\"_blank\">Fyffes</a>.","type":"text"},{"_id":"PZS45NKREBD75FAXX2JGZ426QI","additional_properties":{"_id":1732298997993},"content":"On Thursday, at a fractious extraordinary general meeting whose outcome was decided well in advance given the weight of shareholdings, company chairman <a href=\"https://www.irishtimes.com/tags/carl-mccann/\" target=\"_blank\">Carl McCann</a> forced through a motion taking the company fully private and, in the process, forcibly buying out “small” shareholders – those with fewer than 25,000 shares in the business, a group that owned more than a fifth of the business before Thursday, at €10.50 a share.","type":"text"},{"_id":"J4CGXDDC7VBFDACZCIKSM5RXBA","additional_properties":{"_id":1732298997994},"content":"Small is relative in McCann’s world. These ousted shareholders would have had holdings worth up to just shy of €262,500 at the takeout price which is hardly small change. The company argues that most had holdings of 500 or fewer shares but that’s still an investment of up to €5,250.","type":"text"},{"_id":"Y7YENL4C4RGWJAAZA46XJC3TH4","additional_properties":{"_id":1732298997995},"content":"Others, including AIB and PTSB, have offered similar buyouts of small investors but they have included an opt-out clause for anyone who was interested in sticking with their investment.","type":"text"},{"_id":"2BJCSJY72NH3TFCDVGIJIOGYEY","additional_properties":{"_id":1732298997996},"content":"The McCanns and their advisers tried to persuade the shareholders being ejected that they were doing them a favour but a vocal group of shareholders – almost all investors of many years’ standing – was not buying it.","type":"text"},{"_id":"4PEIATVMBJHDXK3H7JEZLCSGBQ","additional_properties":{"_id":1732298997997},"content":"Why, they wanted to know, were they being forced out just as the business had returned to health and started making money from its property investments. And, more particularly, why at a substantial discount to the €18.72 net asset value of the portfolio and the €12 price at which a deal for shares was done on the grey market just the previous week.","type":"text"},{"_id":"5KTMU4QJNRCQTG6KB2J7OUVX6Q","additional_properties":{"_id":1732298997998},"content":"Why indeed.","type":"text"},{"_id":"SSNEKINYZNGYDIWUBNU7SFUN7Q","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cantillon"}},"name":"Richard Cantillon"}]},"description":{"basic":"Shareholders with holdings worth up to €262,500 at take-out price were forcibly bought out with no option to stay on board"},"display_date":"2024-11-24T06:00:00Z","headlines":{"basic":"Balmoral shows ‘small’ investors the door","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"OFP2Q6K2U36LZCCICPCJ2OP55I","auth":{"1":"20529b25c521b37f96d925d42f7e4f481144340b5424c54f8f1c9f5e535b1bd9"},"focal_point":{"x":649,"y":257},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/OFP2Q6K2U36LZCCICPCJ2OP55I.jpg"}},"subtype":"columnist","taxonomy":{"sections":[{"name":"Markets"},{"name":"Your Money"},{"name":"Business"}]},"type":"story","website_url":"/business/markets/2024/11/24/balmoral-shows-small-investors-the-door/","websites":{"irishtimes":{"website_section":{"_id":"/business/markets","additional_properties":{"original":{}},"name":"Markets"}}}}],"count":3763,"_id":"40a44724ccb38e6bee098f50a64fc0d951a6dc14dc3eeea2be181b0fdb7bed13"},"expires":1732936759110,"lastModified":1732936458938},"{\"feedOffset\":0,\"feedSize\":3,\"tagSlug\":\"wild-geese\"}":{"data":{"content_elements":[{"_id":"NQDOWRCZAFEY7O3KWA4WJJK3NM","additional_properties":{"audio_duration":306,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/d2a10e89-c419-44d8-88b8-6bc4635936e4/versions/1732187599/media/f50679099e740d03b38c3d3636bbdf2f_compiled.mp3"},"canonical_url":"/business/work/2024/11/24/an-irish-businessman-in-singapore-youll-get-a-year-in-jail-if-you-are-in-a-drunken-brawl-so-people-dont-step-out-of-line/","content_elements":[{"_id":"OJLUDP6CCRHA7JBIFWHSS5ENJI","additional_properties":{"_id":1732178306382},"content":"Pivoting from his accounting background into the world of fund management proved to be a smart choice for Cork-born Martin O’Regan. It has led to an interesting career that has taken him around the world and positioned him well for his role leading a niche business that provides independent directorship for global fund management companies from his base in Singapore.","type":"text"},{"_id":"PJLSASND2BBD3E2DGBGG2M5UX4","additional_properties":{"_id":1732178306383},"content":"O’Regan, the youngest of seven children, qualified as an accounting technician in his native city before moving to a job in Dublin and taking his CPA qualifications. “Dublin was being heavily promoted as a fund centre in the 1990s, with the growth of the <a href=\"https://www.irishtimes.com/tags/ifsc/\" target=\"_blank\">IFSC</a>, and relatively few people were going into it, so I decided that was a good area to move into and I found the work interesting.”","type":"text"},{"_id":"YRN3TXGMXVA6ZO3YJTZAA4JYTA","additional_properties":{"_id":1732178306384},"content":"It also provided a platform for a global career and O’Regan found himself working in Bermuda in the early Noughties as an account manager managing a team of supervisors and fund accountants. Further moves took him to Cayman, Hong Kong and Dubai, working for global firms such as UBS and Deutsche Bank among others, all the while building his expertise and Rolodex of contacts in global financial services.","type":"text"},{"_id":"PADAUQF4CVAM5C3IA3RUXZW33Q","additional_properties":{"_id":1732178306385},"content":"“I was willing to work hard in these roles, was prepared to move, could do the job and could assimilate into different environments and work with different cultures,” he says. “Irish people tend to be good at that.”","type":"text"},{"_id":"YO3HZI4RI5F5TDEVE7EPIQ477U","additional_properties":{"_id":1732178306386},"content":"O’Regan settled in Singapore, where he gained permanent residency. This allowed him to set up his business, Solas Fiduciary Services in 2016. The 10-strong firm provides directorship services for hedge funds, private equity funds, fintech and real estate funds, covering jurisdictions including Cayman, Bermuda, Dublin, Luxembourg, Singapore and Hong Kong.","type":"text"},{"_id":"ZCIO2WQ2QJEMXBVJSPBEGY6RZM","additional_properties":{"_id":"NCMK3V6LKZEJNCLVPBA7YLB5XM"},"subtype":"pullquote","type":"quote"},{"_id":"OR4RTQIOQFAEXNYHNXEQNHYF3Y","additional_properties":{},"content":"O’Regan says the range of experience and contacts he and his colleagues have adds real value for clients as they can pick up the phone and talk to people in various parts of the world if issues arise.","type":"text"},{"_id":"SJ6HW3AQERGAZD74DO5BOA5UWE","additional_properties":{"_id":1732178306388},"content":"It’s a niche area and one that was underdeveloped in Asia until recent years. “I saw a gap in the market, and we’ve become the biggest pure play player in this area in Asia,” he says. “When I was looking for a name for my business, I asked my nephew, who is a lecturer in Irish, if he could come up with a Gaelic name. He came up with Solas, pointing out that Solas doesn’t just mean light, it can also mean ‘guiding beacon’.”","type":"text"},{"_id":"6V6PABMMV5EAXFIWGR7FO7ZCNE","additional_properties":{"_id":1732178306390},"content":"O’Regan, his wife and their 12-year-old daughter live in a condo in Singapore. Having also lived in Hong Kong, he says where he lives now better suits his circumstances.","type":"text"},{"_id":"KNGHPSSXRVDOBKGABUAT62LHT4","additional_properties":{"_id":1732178306391},"content":"“Hong Kong is great when you are single, but Singapore is better when you are married with children. The infrastructure is a lot better than Kong Hong. The condos have pools and tennis courts. It’s more relaxed pace and families do better here.","type":"text"},{"_id":"KVUAP3UKG5BVNCDYBL7QSG2SSE","additional_properties":{"_id":1732178306392},"content":"“There are more schools, and it is very safe. My daughter has been getting the bus to school on her own since the age of eight, which is normal here, as nobody will bother you.”","type":"text"},{"_id":"EFDEHYEM3FDW5F4H23PYD5D3DU","additional_properties":{"_id":"UTERCCZKQRGLJOLZSHZSZ5QCIA"},"content":"Imagine if the population of Dublin quadrupled but housing was affordable. Welcome to Singapore","type":"interstitial_link"},{"_id":"CXBRJ4QKY5CZFMIDS7LMELXEGA","additional_properties":{"_id":1732178306393},"content":"The rule of law in Singapore is very strong, with a “no-tolerance” approach to crime and bad behaviour, he adds. “You’ll get a year in jail if you are involved in a drunken brawl, so people don’t step out of line like that. And If you steal someone’s credit card and use it, you’ll get two years in prison. It’s very safe, therefore, especially for families.”","type":"text"},{"_id":"U325IYJHMJCJ7NY3J3A33VPRQI","additional_properties":{"_id":1732178306394},"content":"There is a strong Irish community in Singapore, estimated to be 6,000 strong. St Patrick’s Day is celebrated enthusiastically and O’Regan is an active member of the Irish Chamber of Commerce there. He also works with Irish State agencies on both the inward and outbound sides, as he says.","type":"text"},{"_id":"R2RC4HU6EFEZZKYF7KBVQ52MAY","additional_properties":{"_id":1732178306395},"content":"“If Enterprise Ireland is bringing firms out of Ireland to try to crack the market in this part of the world, into Asia, I will help with advice and contacts whenever I can. Equally if there are Asian firms looking to invest into Ireland, I also help the IDA in a similar way.”","type":"text"},{"_id":"ULDFOZCTDVFJZAUYVP5MRZFRDY","additional_properties":{"_id":1732178306396},"content":"Singapore is a cultural melting pot. Street signs in Mandarin, Malay, Indian and English provide a constant reminder. The local food scene is similarly eclectic. While O’Regan enjoys the cuisine, he admits he hankers for “a good hearty stew, like you’d get back home”.","type":"text"},{"_id":"Q4J7TINWXBAGRAZ4NCQBBJ75D4","additional_properties":{"_id":1732178306397},"content":"“I go home every July for a month. I get asked what food I miss, and will I ever come home. I think when you go home you think back to when you were younger and whatever made you happy, like your mother’s home cooking.","type":"text"},{"_id":"TVXNPODPDFDM5MAE2GAJU66M7A","additional_properties":{"_id":1732178306398},"content":"“Ireland is also one of the places where people like to enjoy themselves and don’t take themselves too seriously. I miss the banter and the sarcasm you get in Ireland.”","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Frank Dillon"}]},"description":{"basic":"Wild Geese: Martin O’Regan has a leading role in a niche business in the island nation"},"display_date":"2024-11-24T06:00:00Z","headlines":{"basic":"An Irish businessman in Singapore: ‘You’ll get a year in jail if you are in a drunken brawl, so people don’t step out of line’","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"MST4E6DA25A25B7LBHHTPQEPF4","auth":{"1":"43f524fdff7b108d01193d7b8936911bc644b7ca37acc3df04a7723059f721a7"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/MST4E6DA25A25B7LBHHTPQEPF4.jpg"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Work"},{"name":"Business"},{"name":"Abroad"}]},"type":"story","website_url":"/business/work/2024/11/24/an-irish-businessman-in-singapore-youll-get-a-year-in-jail-if-you-are-in-a-drunken-brawl-so-people-dont-step-out-of-line/","websites":{"irishtimes":{"website_section":{"_id":"/business/work","additional_properties":{"original":{"Podcast":{"podcast_logo":null}}},"name":"Work"}}}},{"_id":"5DF46KA3DJH2TKQCBANUMOKHRY","additional_properties":{"audio_duration":336,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/8d648945-4098-4c7f-8151-e342fb2e78b3/versions/1730381307/media/59a250a2767e8d810f5429ac6b0deb9a_compiled.mp3"},"canonical_url":"/business/work/2024/11/03/standing-in-the-donegal-rain-sunny-malta-sounded-appealing/","content_elements":[{"_id":"OE5JOOCP75B5XOZO6XXM5MC2MU","additional_properties":{"_id":1730367726512},"content":"Castlebar-born solicitor Fiona Healy was standing in Letterkenny bus station on her way home from a funeral in November 2010. 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It was her cousin Brendan calling from (sunny) Malta to tell her about a job on the island he thought she might be interested in.","type":"text"},{"_id":"MUND4FANSRE7NFDTKGKPYMSUL4","additional_properties":{"_id":1730367726513},"content":"At the time, Healy was working in a small legal practice in Dublin, mainly doing conveyancing.","type":"text"},{"_id":"4E2WNPEY4VG6VDQAY4L5VMXXLM","additional_properties":{"_id":1730375842156},"content":"“The recession had hit, my workload had diminished significantly and the thought of moving to a <a href=\"https://www.irishtimes.com/tags/mediterranean/\" target=\"_blank\">Mediterranean</a> island with 300 days of sunshine was very inviting,” says Healy, who had previously spent three years with McCann Fitzgerald specialising in commercial property.","type":"text"},{"_id":"PYEZTJ2UCRFOXLGKCYVRCMRLGI","additional_properties":{"_id":1730367726514},"content":"“Malta had just passed some innovative legislation to make the jurisdiction more attractive to airlines and they were planning a big push to bring in new registration business – much as they had done with the yacht register, which is one of the largest in the world,” Healy says.","type":"text"},{"_id":"KSQGIZQ25NAVHLAA3KJY7XIOAQ","additional_properties":{"_id":1730367726515},"content":"“I had no aviation experience at the time, but as the authorities there were just beginning to develop the sector it was an ideal time to educate myself and enter the market. 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The legislation also made it an attractive location for aircraft operators, not just registration, so over time it has also become more a centre for airline operations.”","type":"text"},{"_id":"B7MGQJWQJFCKLBARTI3T7HINM4","additional_properties":{"_id":1730367726522},"content":"Healy says one of the big advantages of working in Malta is its compact size. “It means you have more access to those you need to talk to in order to carry out your role successfully,” she says. “When I first moved here I was able to call the gentleman who had actually drafted the aviation legislation I was dealing with if I had questions or needed any clarification.","type":"text"},{"_id":"ENQ6RLY6SZCGBAFECRZOITOBDA","additional_properties":{"_id":1730375842169},"content":"“I now serve on the executive committee for aviation and aerospace as part of the chamber of commerce and that gives me the opportunity to contribute to discussions on what the aviation industry needs to grow with government ministers and aviation advisory committees.”","type":"text"},{"_id":"YESTL2GC4ZB65KZKC24C737TAA","additional_properties":{"_id":1730367726523},"content":"Healy loves living in Malta. Apart from its history, rich culture and the sunshine, she cites the lower cost of living, the international focus and the ease of doing business (English is an official language) as the reasons why Malta appeals to her so much.","type":"text"},{"_id":"ZGM24LJKBVBCVBBK57XWWLHI64","additional_properties":{"_id":1730367726524},"content":"“There’s a very strong Irish business community here also, which is great, and there’s an easy humour between Irish people that you don’t always get with other nationalities,” she says. “I miss my family and the green spaces of home but not the driving rain in the west of Ireland that creates the green space.”","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Olive Keogh"}},"name":"Olive Keogh"}]},"description":{"basic":"Solicitor Fiona Healy cites the lower cost of living, the international focus and the ease of doing business as reasons why she loves living on the Mediterranean island"},"display_date":"2024-11-03T06:00:00Z","headlines":{"basic":"An Irish woman in Malta: ‘I miss my family and the greenery of home but not the driving rain’","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"YEJRWDMSUVDUTGZCCTQHZPEY3E","auth":{"1":"fe1cecfb8d42f27227976a831d965cf44402ac814c6b46878b1f657a4807eca7"},"focal_point":{"x":785,"y":315},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/YEJRWDMSUVDUTGZCCTQHZPEY3E.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Work"},{"name":"Business"},{"name":"Abroad"}]},"type":"story","website_url":"/business/work/2024/11/03/standing-in-the-donegal-rain-sunny-malta-sounded-appealing/","websites":{"irishtimes":{"website_section":{"_id":"/business/work","additional_properties":{"original":{"Podcast":{"podcast_logo":null}}},"name":"Work"}}}},{"_id":"AKT3KBVCDZD3HBGGETTUC75ZVI","additional_properties":{"audio_duration":322,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/14a55451-6186-41be-b965-0612310350fc/versions/1728489201/media/8927bfd3fafb13ad6f93d42f4cb707c8_compiled.mp3"},"canonical_url":"/business/work/2024/10/20/i-was-like-i-have-to-get-back-to-the-states-and-make-something-of-myself/","content_elements":[{"_id":"XUJUNDDVLBHB3OAFFFRTVZQLQU","additional_properties":{"_id":1727716719087},"content":"Ryan O’Sullivan has quite a CV under his belt for a 31-year-old. 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One of his first experiences with food was going fishing with his dad when he was seven or eight years old and making garlic grilled trout: “From then on I was kind of hooked at the aspect of you can catch a fish, you can clean it, you can do something so simple to it.”","type":"text"},{"_id":"DZBZHQEVUVDQRLZVP2VLRW3Z6Y","additional_properties":{"_id":1727716719089},"content":"O’Sullivan went on to do culinary studies in Munster Technological University and after going on a J1 to San Francisco in the summer of his second year, he decided he wanted to go back to the <a href=\"https://www.irishtimes.com/tags/united-states/\" target=\"_blank\">United States </a>to build a career as a chef. “For me, I was like, I have to get back to the States and make something of myself.”","type":"text"},{"_id":"7A4QWHSZF5BVXKFRPSQRAIFQXU","additional_properties":{"_id":1727716719090},"content":"The opportunity to make the move came knocking about two years later in the most unlikely way. 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By chance, a regular customer offered him a job in a place called Martha’s Vineyard on Nantucket Island in Massachusetts after his season in Florida ended.","type":"text"},{"_id":"5OSF4YGK2NABBPUTHCEFPSSEVM","additional_properties":{"_id":1727716719093},"content":"He took the job and travelled to Nantucket Island in May 2018. “I was working crazy hours over the summer. I learned so much about myself, about cooking, about people,” O’Sullivan recalls.","type":"text"},{"_id":"OVW35HTKQ5E5PMF62OLITUEO5E","additional_properties":{"_id":1728473072749},"content":"He describes Nantucket Island as a “melting pot of nationalities” and during peak summer season the population swells from 15,000 to 150,000 people.","type":"text"},{"_id":"SBBL6YJQ7FHJTNJR52ZDAVT7LU","additional_properties":{"_id":1727716719094},"content":"In October 2020, he got a direct message from another recruiter asking if he would like to be part of the next season of Hell’s Kitchen. Three interviews later he had a plane ticket to Los Angeles to film season 22 at the height of Covid-19.","type":"text"},{"_id":"WPZHOA4GUBCCVHKEC753LDM57I","additional_properties":{"_id":"FLCAINUJOFHMZEAKVVYAJLZEPQ"},"type":"image"},{"_id":"7YGCUILUWNFDXCYRJERN5O4SEM","additional_properties":{"_id":1727716719095},"content":"Despite the pandemic, life in Florida had been relatively normal as the city had shut down for just a week. Once he landed in Los Angeles, O’Sullivan experienced a bit of culture shock. Contestants were quarantined for two weeks before filming began, the “closest thing to prison”, he said.","type":"text"},{"_id":"UQKEERSMKNBZPLRN4ZIPLNOCQY","additional_properties":{"_id":1727716719097},"content":"The theme of that season of Hell’s Kitchen was the American dream and contestants were asked to bring their roots through in the dishes they served. However, some ingredients that can be easily found in the shops in Cork were hard to come by in Los Angeles. “I actually tried to get spiced beef because I wanted to do something from like the English Market, something pure Cork,” he says.","type":"text"},{"_id":"CE6M6GCSDJAA5K2WGGD3JQ3LJA","additional_properties":{"_id":1727716719098},"content":"O’Sullivan believes serving dishes he grew up on, such as his vol-au-vent starter in the finale, clinched him the prize. “I feel like a lot of people got lost in the actual concept of what it’s about. You and your roots, who you are and what you represent.”","type":"text"},{"_id":"YQFHJRTBXBEBPKAKCO3EHVTYFE","additional_properties":{"_id":1727716719099},"content":"The winner of the competition bags a prize of $250,000 and gets to work as executive chef in Ceasars Palace, Las Vegas, for a year. However, O’Sullivan chose not to take up the role, with his family settled in Florida. It wouldn’t be the last O’Sullivan saw of Ramsey though, as he spent three weeks in one of the chef’s restaurants in <a href=\"https://www.irishtimes.com/tags/london/\" target=\"_blank\">London </a>in September of this year.","type":"text"},{"_id":"FNCOZNOYWRDFFH2PNQ6QIAB42Y","additional_properties":{"_id":1727716719100},"content":"O’Sullivan says living so far away from home does come with its sacrifices: “It’s just friends and family is what I miss the most.” Living on the other side of the ocean means inevitably missing out on occasions that bring the family together.","type":"text"},{"_id":"TER2PY4DQNESJED3SXAQPDNUTY","additional_properties":{"_id":1727716719101},"content":"Along with still working full-time at the country club, the next things on O’Sullivan’s schedule are an event at the Fort Lauderdale Boat Show at the end of October and judging the World Food Competition in Indianapolis this November.","type":"text"},{"_id":"LN6WUIX2HNEHTMQ47DWQY4OYR4","additional_properties":{"_id":1727716719102},"content":"When it comes to advice that he would give to others who are thinking about moving abroad for work, O’Sullivan says you have to become comfortable with the uncomfortable. “It is like if you’re a small plant and a small plant pot, your roots can only grow so far. 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Mitchell McDermott recently produced <a href=\"https://www.irishtimes.com/business/2024/10/21/it-now-costs-almost-600000-to-build-a-two-bed-apartment-in-dublin/\">a cost study report</a> on behalf of the Department of Housing, contained in which is the eye-watering figure of €600,000 now necessary to build a two-bedroom urban apartment.","type":"text"},{"_id":"J6K7XIOP2BFZ5KNRPKC5E3VC7M","additional_properties":{"_id":1730304464733},"content":"Produced by John Casey with JJ Vernon on sound.","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[]},"description":{"basic":"Inside Business podcast with Ciarán Hancock"},"display_date":"2024-10-30T16:08:32.713Z","headlines":{"basic":"Is a Ryanair-style model the answer to Ireland’s housing crisis?","native":""},"label":{},"promo_items":{"basic":{"_id":"CPNJOIUCQZDGRFUHBNXWFNISI4","auth":{"1":"75290a186d76c9fba30ce6faafa18847f0ec6e8ac3cb54d34fd06f03ffe51ae1"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/CPNJOIUCQZDGRFUHBNXWFNISI4.jpg"},"podcast":{"embed":{"config":{"duration":2355.248,"episodeTitle":"And what lessons can be learned from construction in other European countries?","imageUrl":"https://assets.pippa.io/shows/619faf1af8d4dc0013bca20f/show-cover.jpg","showTitle":"Inside Business with Ciaran Hancock","streamUrl":"https://feeds.acast.com/public/streams/619faf1af8d4dc0013bca20f/episodes/672258896c036acf21b14260.mp3"}}}},"subtype":"podcast","taxonomy":{"sections":[{"name":"Inside Business Podcast"},{"name":"Podcasts"},{"name":"Business"}]},"type":"story","website_url":"/podcasts/inside-business/is-a-ryanair-style-model-the-answer-to-irelands-housing-crisis/","websites":{"irishtimes":{"website_section":{"_id":"/podcasts/inside-business","additional_properties":{"original":{"Podcast":{"podcast_logo":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/PARJAOX25ZBZ3N63TBBML7ZCAE.png"}}},"name":"Inside Business Podcast"}}}}],"count":138,"_id":"d3d3530e8af320717fa1d8474b9279c65d88ec3eec19b16aed8a94cbacf7e05e"},"expires":1732936826871,"lastModified":1732936526775},"{\"feedOffset\":0,\"feedSize\":3,\"includeSections\":\"/business/markets\"}":{"data":{"content_elements":[{"_id":"EISZ5QO24VFZ5JAKOQFOWZFLCM","additional_properties":{},"canonical_url":"/business/2024/11/28/european-shares-edge-higher-as-wall-street-takes-thanksgiving-breather/","content_elements":[{"_id":"YFRYTBLF2FAKVLAXZ3VWOY6YOQ","additional_properties":{"_id":1732818241600},"content":"Tech stocks spearheaded a rebound in European shares on Thursday, after a two-day slump fuelled by worries over potential US tariffs and France’s economic and political challenges, with investors now closely watching inflation reports for clues on the future trajectory of interest rate cuts.","type":"text"},{"_id":"ZRNRZ2LMJVGBXK52MW653MRMCE","additional_properties":{"_id":1732818241601},"content":"Trading volumes were light as Wall Street was closed for the Thanksgiving holiday.","type":"text"},{"_id":"YBG74DVFTNEE5BULEOYLVOAH5U","additional_properties":{"_id":1732818241602},"content":"<b>Dublin</b>","type":"header"},{"_id":"5ACPS734P5COFAAPDAOXLIOBGM","additional_properties":{"_id":1732818241603},"content":"The Iseq ended 0.6 per cent higher after gains for key stocks including Kingspan and Kerry Group. 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The pan-European Stoxx 600 index slipped 0.2 per cent.","type":"text"},{"_id":"DBMCXWZ4SBHG3FMOUIRXFQTDVA","additional_properties":{"_id":1732732586156},"content":"DUBLIN","type":"header"},{"_id":"KLMUWGV6ZVBEROB24EPAQELJCM","additional_properties":{"_id":1732732586157},"content":"The Iseq All-Share index fell 1.6 per cent to 9,452.80.","type":"text"},{"_id":"UDBXZPAKOJFP3NXYQUH34YMUDI","additional_properties":{"_id":1732732586158},"content":"Banking stocks were out of sorts, with AIB down 2.5 per cent at €5.11 and Bank of Ireland off 2.7 per cent at €8.25 as sector followers fretted about the economic impact of US president-elect Donald Trump’s promised trade tariffs and monitored central bankers for hints on the outlook for interest rates.","type":"text"},{"_id":"R2XGLQJVIJHBHJ4RPNYMZK24F4","additional_properties":{"_id":1732732586159},"content":"While a fourth European Central Bank (ECB) rate cut since June is seen as in the bag next month, ECB executive board member Isabel Schnabel warned the organisation needs to be wary of cutting interest rates too far as it could backfire.","type":"text"},{"_id":"5WRJXB2M2VEUREZYF5P43BAPW4","additional_properties":{"_id":1732732586160},"content":"Corre Energy slid 9.1 per cent to 10 cent amid ongoing concerns about the renewable energy storage developer’s ability to raise fresh capital.","type":"text"},{"_id":"W7CGWNOKZRGZ3LRUOAX75VHAHE","additional_properties":{"_id":1732732586161},"content":"Dalata Hotel Group managed to edge 0.2 per cent higher to €4.38. 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Housebuilders and real estate stocks climbed 0.9 per cent and 1.5 per cent, respectively.","type":"text"},{"_id":"A6QOUAIDMFGC7IKP3LXV2FTRRM","additional_properties":{"_id":1732732586166},"content":"Among single stocks, Anglo American gained 0.5 per cent after the miner sold more shares in its unit Anglo American Platinum (Amplats), raising gross proceeds of the equivalent of €504 million.","type":"text"},{"_id":"SLF7XE2LXJCCFENRX3IMAFMRYY","additional_properties":{"_id":1732732586167},"content":"Aston Martin fell as much as 9 per cent to a more than two-year low after the luxury carmaker warned that annual profit could fall as much as 11 per cent on delivery delays and said it would raise new capital.","type":"text"},{"_id":"RYYU6NILJNDZJOQGUY32W2TCFE","additional_properties":{"_id":1732732586168},"content":"Pets at Home Group slumped 17 per cent after the retailer forecast modest growth in pretax profit for the year through March 2025, with demand lacklustre as pet owners reined in spending.","type":"text"},{"_id":"MGU3IVRQ3FCPXC3YX773BS6CUI","additional_properties":{"_id":1732732586169},"content":"EUROPE","type":"header"},{"_id":"ASGV72CRLVAVHEMYMAA4WKEQ5Y","additional_properties":{"_id":1732732586170},"content":"French stocks hit a more than three-month low on Wednesday as investors fretted about the fragile government’s ability to push through its budget, while continued worries over potential US tariffs kept European automobile stocks under pressure. France’s main stock index dropped more than 1 per cent during the session to hit its lowest since August. It closed 0.7 per cent lower.","type":"text"},{"_id":"Z3Z23TKNURDZVG6XCB3H2G4XDI","additional_properties":{"_id":1732732586172},"content":"Johnson Matthey slumped 11.7 per cent after the catalytic converter and pollution filter maker missed estimates for half-year profit.","type":"text"},{"_id":"WZRQ7YR6DVBM3PM3RHE3IPJ76Y","additional_properties":{"_id":1732732586173},"content":"Grifols fell 9 per cent after a report said Canadian investment fund Brookfield might drop its plan to take over the Spanish pharmaceutical firm.","type":"text"},{"_id":"DGFJN6LMPFDK7MSM2YGWLNRT64","additional_properties":{"_id":1732732586174},"content":"NEW YORK","type":"header"},{"_id":"32ZRBWE7XNAJFIEIVP5QUXBJZE","additional_properties":{"_id":1732732586175},"content":"The S&P 500 and the Nasdaq were lower in early afternoon trading, weighed by a decline in technology stocks, while investors focused on the US Federal Reserve’s next move following an in-line inflation reading.","type":"text"},{"_id":"ESDOCCBLYVHGLJH5KQM2HBN4QA","additional_properties":{"_id":1732732586176},"content":"Most megacaps fell, with Nvidia and Microsoft among the losers.","type":"text"},{"_id":"7YZIDZ5JLBHQLLK5V3ZZHACD2A","additional_properties":{"_id":1732732586177},"content":"Dell and HP were also trading lower after each issued downbeat quarterly forecasts, adding to declines and were the top losers on the benchmark index.","type":"text"},{"_id":"YR5UHGL2GFDTPCCW7D2HISWL5Y","additional_properties":{"_id":1732732586178},"content":"Concerns include US president-elect Donald Trump’s proposed tax cuts and tariff policies, including his latest stance on imports from Mexico, Canada and China, which could push up prices, spark a trade war and weigh on growth globally.","type":"text"},{"_id":"UOVURZFKBVD7PKL26F7GJMJ7TI","additional_properties":{"_id":1732732586179},"content":"Workday lost after forecasting fourth-quarter subscription revenue below expectations, hit by weaker client spending on its human capital management software. – Additional reporting, Reuters","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Joe Brennan"}},"name":"Joe Brennan"}]},"description":{"basic":"Investors looking for signals on impact of incoming Trump presidency on trade, inflation and interest rates"},"display_date":"2024-11-27T18:47:52.568Z","headlines":{"basic":"European shares fall amid concerns over French budget","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"KQBH2MJZ7MLM37ZYIV75KHGAOI","auth":{"1":"2335e2beb73b6a524e0cfa4209d29ca61c3f9b30982765cdd02c8720bb13270b"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/KQBH2MJZ7MLM37ZYIV75KHGAOI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Markets"},{"name":"Business"}]},"type":"story","website_url":"/business/markets/2024/11/27/european-shares-fall-amid-concerns-over-french-budget/","websites":{"irishtimes":{"website_section":{"_id":"/business/markets","additional_properties":{"original":{}},"name":"Markets"}}}},{"_id":"M3QZEHPXBZA4XALA6J6STLAE7E","additional_properties":{},"canonical_url":"/business/2024/11/26/stocks-fall-as-trump-tariffs-rattle-investors/","content_elements":[{"_id":"DGEYHJD5UVGBPLZVVOMFENPBMM","additional_properties":{"_id":1732646001990},"content":"European stocks fell across the board, led by car makers, as Donald Trump’s tariff threat on the United States’ largest trading partners prompted worries about another global trade war.","type":"text"},{"_id":"SB4NKSSTI5BMLN2SARI2S767JI","additional_properties":{"_id":1732646001991},"content":"US president-elect Trump, who takes office on January 20th, plans to impose a 25 per cent tariff on imports from Canada and Mexico and slap “an additional 10 per cent tariff, above any additional tariffs” on China, hurting the positive market sentiment following the nomination of Scott Bessent as US Treasury secretary. The dollar rose, while global equity markets declined.","type":"text"},{"_id":"IZ4GU7P7XNAL5B2TZ662QBIDJY","additional_properties":{"_id":1732646001992},"content":"“We’ve seen this movie before and it’s going be negotiating tool, however we can’t dismiss it entirely because this time Trump has full support of both the houses” of the US Congress, said Chris Beauchamp, chief market analyst at IG Group.","type":"text"},{"_id":"JUOCA2GWJNB37GHPNA6OZ3M3OU","additional_properties":{"_id":1732646001993},"content":"“Investors have learned something from before and jumping like a frightened cat at every Trump headline is not going to be the way to get through this.”","type":"text"},{"_id":"RCDQJDI4Y5FUXAQCVDODAV2ETU","additional_properties":{"_id":1732646001994},"content":"<b>Dublin</b>","type":"text"},{"_id":"RTSTD6BXFBAQ7LFHH73UK46BTQ","additional_properties":{"_id":1732646001995},"content":"Home builder <b>Glenveagh </b>was up 1.5 per cent, even as rival Cairn Homes fell 0.5 per cent. <b>Bank of Ireland </b>and<b> AIB </b>meanwhile<b> </b>traded up 0.7 per cent in a relatively positive session for financials. However <b>Ryanair</b> traded down 1.2 per cent to close at €18.35 despite a big Black Friday sale to various European destinations.","type":"text"},{"_id":"RX4M4XZA6FCIDNOHVXHMD6V5XE","additional_properties":{"_id":1732646001996},"content":"<b>Europe</b>","type":"text"},{"_id":"5M2KXY4OW5EOVJYKQOQDUSEKSY","additional_properties":{"_id":1732646001997},"content":"The pan-European Stoxx 600 was down 0.5 per cent, snapping a three-day winning streak, with concerns over tariffs re-stoking global inflation and weighing on monetary-policy easing also dampening investors’ mood.","type":"text"},{"_id":"TAPSRW4JHVEP7PX7K2Q4OKWOWI","additional_properties":{"_id":1732646001998},"content":"China-exposed stocks were the most affected on the index.","type":"text"},{"_id":"H6AV4DWEIRBETO5OT4FYGXJVRQ","additional_properties":{"_id":1732646001999},"content":"The auto sector, expected to be among the worst hit under Trump tariffs, was down 1.6 per cent, with <b>Stellantis – </b>the owner of Fiat and Peugeot,<b> </b>and <b>Volkswagen </b>among the top losers, shedding 4.8 per cent and 2.4 per cent, respectively. BMW meanwhile dropped 1.2 per cent, while Mercedes-Benz fell about 1 per cent.","type":"text"},{"_id":"NZO6OEKT6BDLDK6F77QPDGJY6U","additional_properties":{"_id":1732646002000},"content":"Retail and miners were some of the other badly hit sectors, down 1 per cent and 1.9 per cent respectively, with the latter taking a hit on weak metal prices.","type":"text"},{"_id":"G27CCCEWCVBJXHAPQO3LJOYZN4","additional_properties":{"_id":1732646002001},"content":"“European carmakers have seen clear weakness in their sales over the past few years and they have also been in the crossfire with the Chinese trade tensions ... They are no longer in a position to afford additional tariffs,” said Ipek Ozkardeskaya, senior analyst at Swissquote Bank.","type":"text"},{"_id":"REL6JN5FTZEXBNNK6MSL35URRA","additional_properties":{"_id":1732646002002},"content":"<b>London</b>","type":"text"},{"_id":"OBNO66VNKZFSVPVYD62O473ESY","additional_properties":{"_id":1732642962759},"content":"The FTSE 100 retreated on Tuesday, ending its three-day run of gains. London’s blue-chip index fell 33.07 points, or 0.40 per cent, to end the day at 8,258.61.","type":"text"},{"_id":"ENQDILCUHNH4LNKOLTMJ64U3HE","additional_properties":{"_id":1732642962761},"content":"In company news, retailer <b>Halfords</b> signalled it may look to raise repair garage prices as it warned that UK Budget measures will send its wage bill soaring by around £23 million.","type":"text"},{"_id":"JNCFCBLAOZE6ZBEVHOTMBHS6HE","additional_properties":{"_id":1732642962765},"content":"The firm said the cost implications of next April’s rise in national insurance contributions (NICs) and the minimum wage increase were “particularly acute” given its workforce of more than 12,000, while it also said the impact of Budget moves on consumers was “unclear”.","type":"text"},{"_id":"H7IFEJQLVZDUHFECLAX7YTPIKY","additional_properties":{"_id":1732642962766},"content":"The company said only around £9 million of the extra cost burden was already included in its plans for 2025-26 and mitigated.","type":"text"},{"_id":"27FB44PPKRF7JJIIRR3E3SGWWU","additional_properties":{"_id":1732646002007},"content":"<b>New York</b>","type":"text"},{"_id":"TD7EBSE72BCV7BETRDF5UXSGYE","additional_properties":{"_id":1732646002008},"content":"The benchmark S&P 500 and the Nasdaq extended recent gains in early trading on Tuesday, as technology stocks rebounded, while US investors parsed Donald Trump’s tariff pledges on top trade partners and awaited minutes from the Federal Reserve’s latest meeting.","type":"text"},{"_id":"2KYBVDP2QRAY7N7WZ3D6QWBKDQ","additional_properties":{},"content":"By 1.45pm in New York the S&P 500 was up 0.4 per cent.","type":"text"},{"_id":"5VRJB4MK4ZE75LMYMHEKDZKLCM","additional_properties":{"_id":1732646002009},"content":"Automakers such as <b>Ford</b> and <b>General Motors </b>which have highly integrated supply chains across Mexico, the US and Canada – lost 2.1 per cent and 7.2 per cent, respectively. Gains in megacaps such as <b>Nvidia, Microsoft</b> and <b>Apple</b> boosted the information technology sector and the tech-heavy Nasdaq. The blue-chip Dow Jones Index was weighed down by declines in <b>Amgen</b>, which slid 11 per cent after its experimental obesity drug fell short of expectations. – Additional reporting Reuters","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Eoin Burke-Kennedy"}},"name":"Eoin Burke-Kennedy"}]},"description":{"basic":"European carmakers slide as president-elect pledges to impose trade tariffs on China, Mexico and Canada"},"display_date":"2024-11-26T18:51:11.537Z","headlines":{"basic":"Stocks fall as Trump tariffs rattle investors","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"HQTJW4DKWCV5ZUIJFJHKN43XQQ","auth":{"1":"91a2ae92534accaca55080d7ac3bc6c54484bfdfa19db8f8a59dc0ae3da22fa5"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/HQTJW4DKWCV5ZUIJFJHKN43XQQ.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Markets"}]},"type":"story","website_url":"/business/2024/11/26/stocks-fall-as-trump-tariffs-rattle-investors/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}}],"count":8355,"_id":"3e099be13b44c7ae19f9bf20aff1ace195978716af264d3b325e3aa17e7f48b4"},"expires":1732936797026,"lastModified":1732936496906},"{\"excludeSections\":\"\",\"feedOffset\":0,\"feedSize\":3,\"includeSections\":\"/technology\"}":{"data":{"content_elements":[{"_id":"ACKCBND74NATHLG4OLXDH5PMUI","additional_properties":{},"canonical_url":"/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/","content_elements":[{"_id":"VD6F3NOEMJFUFKEYNUKQ6XA2MU","additional_properties":{"_id":1732898333966},"content":"Revenue fell at one of Dell’s main subsidiaries last year with the company hit by ongoing uncertainty in the wider economy.","type":"text"},{"_id":"4ZHBVRFWVNGPFKO5F4FTYKUVN4","additional_properties":{"_id":1732898333967},"content":"Dell Products, which sells and distributes the group’s products in Europe, the Middle East and Asia (EMEA), said its revenue slid 14 per cent as ongoing economic difficulties hit demand. Total revenue for the period was $14.5 billion (€13.75 billion), down from more than $16 billion (€15 billion) in 2023.","type":"text"},{"_id":"TVQDDP5RGFBJXMSHDHVNZYZZYA","additional_properties":{"_id":1732901652310},"content":"Hardware sales remained the largest proportion of revenue. Dell said that fell to $13.5 billion for the year down from just under $16 billion a year earlier. Software sales totalled $401 million in the same period, while support service revenue was $573.5 million.","type":"text"},{"_id":"FVGLAKMCPFFJVFFXRLWGBMR76E","additional_properties":{"_id":1732901652311},"content":"The bulk of revenue – $13.9 billion – came from its European customers, the accounts noted.","type":"text"},{"_id":"QX3EUWHCGVAT3LMJOEKJOYVNHY","additional_properties":{"_id":1732898333968},"content":"Operating profit was $82.6 million for the year to February 2nd, 2024, down from $90.8 million in 2023. A fall in input costs helped raise gross margins slightly, while profit on ordinary activities before interest and taxation fell $8 million year-on-year.","type":"text"},{"_id":"R4OER4RZKVFMZDPVV7OMNG4RAE","additional_properties":{"_id":1732898333969},"content":"Pretax profit slumped as the company wrote down the value of its investments by $115 million. That brought pretax profit to $18.7 million, down from $130.3 million the previous year.","type":"text"},{"_id":"TF73KUCNUJC6DK6J4ZEMDPKX6I","additional_properties":{"_id":1732898333970},"content":"In note on the accounts, Dell said it had received a capital contribution from fellow group member Dell International Holding in October 2018. That $557.7 million contribution was a transfer of shares in a subsidiary company, Dell GmbH. An assessment by directors of their value determined the carrying value was in excess of the recoverable value, leading to the write-down.","type":"text"},{"_id":"YUKFSUQ5LNG7LLKQCU7ERRZ6NQ","additional_properties":{"_id":1732898333971},"content":"A dividend of $47 million was paid to Dell Products by Dell GmbH, in line with the prior year. Dell Products also paid out a dividend of $47 million to Dell Global, which owns 99 per cent of the company, and Dell International Holding, which owns the remaining 1 per cent. That was a fraction of the $160 million recorded a year earlier.","type":"text"},{"_id":"4IMAPSQ24ZAFXFK6CBIAG4SKRY","additional_properties":{"_id":1732898333972},"content":"Dell Products also received a capital contribution from its parent company of $589.8<b> </b>million, in line with the previous year.","type":"text"},{"_id":"7522PJZ4HJFFBJIDIJSUAXD24E","additional_properties":{"_id":1732898333973},"content":"The company paid $11.6 million in tax, including $9.6 million in Irish corporation tax, and the remainder in foreign and other tax charges.","type":"text"},{"_id":"KBMLTW3ZE5H7JONYSIS45EPY4I","additional_properties":{"_id":1732898333974},"content":"Dell Products employs close to more than 2,100 people, down from almost 2,200 in 2023. That was split between sales and distribution, which employed 1,220 people, and administration, which had 900 staff. The wage bill for the year was $240.4 million, up from $209.4 million, despite staff numbers dropping.","type":"text"},{"_id":"JZ3B3TDCKJENNE6FG5C5KZSL6A","additional_properties":{"_id":1732901652319},"content":"Including pensions and other remuneration, the total bill was €286.9 million for the year.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"Company’s $11.6m tax bill included $9.6m in Irish corporation tax"},"display_date":"2024-11-29T17:50:05.579Z","headlines":{"basic":"Dell Products hit by demand slump, reports revenue drop","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"EXVZQUS3QNBP7DFBTPOKRCJSHI","auth":{"1":"bd9071f69b429abb086e8e970e295aba8935ddc029ac953b9263d48981dd9fe2"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/EXVZQUS3QNBP7DFBTPOKRCJSHI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Technology"},{"name":"Big Tech"}]},"type":"story","website_url":"/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"LQLZKN7MWJFRXCQCN4GXQQBLDQ","additional_properties":{"audio_duration":135,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/4e0518ff-b15a-491d-a294-0e0fb67a6b5c/versions/1729512296/media/80ac9b58e15a882678c74d00ce9129d0_compiled.mp3"},"canonical_url":"/technology/consumer-tech/2024/11/29/watch-the-birdie-gadgets-for-techies-and-twitchers-at-christmas/","content_elements":[{"_id":"UZI2OEFB5VAWRPLART6SCSFDBI","additional_properties":{"_id":1729509353921},"content":"Samsung QN900D 65″ 8K HDR Neo QLED Smart TV (2024), €4,799 <a href=\"https://www.harveynorman.ie/index.php?subcats=Y&status=A&pshort=N&pfull=N&pname=Y&pkeywords=Y&search_performed=Y&q=Samsung+QN900D+65%E2%80%B3+8K+HDR+Neo+QLED+Smart+TV+%282024%29&dispatch=products.search\" target=\"_blank\">Harvey Norman</a>","type":"text"},{"_id":"KXLM5Y4EWBGLTFJ33IQNL5FVHQ","additional_properties":{"_id":1729509353922},"content":"Doro 8100 Smartphone, €240, <a href=\"http://shopdoro.ie/\" target=\"_blank\">shopdoro.ie</a>. 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Order on or before 20 December","type":"text"},{"_id":"AXQU437YH5GW3JO4UJ32ZUOTZA","additional_properties":{"_id":"BSMXWD5I4JACRIPHDSARFRXUEA"},"type":"image"},{"_id":"JMXBAYI5YVEETDK5J4MPB52HQI","additional_properties":{"_id":1729509353932},"content":"Garmin HRM-Pro Plus Heart Rate Strap – Black, €129.99, <a href=\"http://greatoutdoors.ie/\" target=\"_blank\">greatoutdoors.ie</a>","type":"text"},{"_id":"UI22LB77XVDQ7CSM5FU7PQTU2A","additional_properties":{"_id":"4JOJCQJMUNCFLEVANGSOHSFOBI"},"type":"image"},{"_id":"MPGIVYPCUZELJHVAGTOH33SISM","additional_properties":{"_id":1729509353933},"content":"Majority P300 Bluetooth Megasound Party Speaker, €119.99, <a href=\"http://currys.ie/\" target=\"_blank\">Currys.ie</a>. Order by 18 December.","type":"text"},{"_id":"V34BDHLQS5EGHJGCHGK7Q6ZHC4","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Aoife Barry"}]},"description":{"basic":"A bird feeder with a camera that gets you right up close to your garden visitors is among our tech gift picks for Christmas"},"display_date":"2024-11-29T05:00:00Z","headlines":{"basic":"Watch the birdie: Gadgets for techies and twitchers at Christmas","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"DQUU5ZXQLBCLXJDVTAIHMDEBY4","auth":{"1":"cea8e61a241a1cf85e0174eda7028453b5fe6b5859fe7f5ac5af38f7cf54917e"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/DQUU5ZXQLBCLXJDVTAIHMDEBY4.png"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Consumer Tech"},{"name":"Technology"}]},"type":"story","website_url":"/technology/consumer-tech/2024/11/29/watch-the-birdie-gadgets-for-techies-and-twitchers-at-christmas/","websites":{"irishtimes":{"website_section":{"_id":"/technology/consumer-tech","additional_properties":{"original":{}},"name":"Consumer Tech"}}}},{"_id":"DGD2XNRXTZBXHDFU4PPDEGUY5E","additional_properties":{"audio_duration":339,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/b9e8dc71-ab7d-4902-a2ec-8514e6b4a237/versions/1732625640/media/d111e8eb5f6aeeec0e5f47a48773a9c4_compiled.mp3"},"canonical_url":"/technology/consumer-tech/review/2024/11/28/samsung-galaxy-ring-review-subtle-health-tracking-that-actually-works/","content_elements":[{"_id":"V3ZYQJXMGZDS5JFUXZNOKS6EWA","additional_properties":{"_id":"LZWOT433Y5HDDJY6UHSJNNIPUU"},"embed":{"config":{},"id":"review-highlights-81084","url":"/"},"subtype":"review_powerup","type":"custom_embed"},{"_id":"FCLJ7ZRJRBAQTGFELYTHVUYOPE","additional_properties":{"_id":1732525409893},"content":"There are too many screens vying for our attention these days. If it is not your phone, it is your smartwatch or a tablet, vibrating with notifications to let us know exactly what we are missing out on.","type":"text"},{"_id":"WDQ7KRHLFBEBLJI3VOCXO2YCEM","additional_properties":{"_id":1732525409894},"content":"The simple answer would be to put the devices down, turn off notifications and step away. Break the cycle of information overload, reduce our stress levels, go back to a simpler time. But who are we kidding? Some people like the idea of tracking their steps, others want to keep track of their heart rate and sleep","type":"text"},{"_id":"HXISI3WTEJBLFLXNPWZJLZIRWA","additional_properties":{"_id":1732525409896},"content":"The Galaxy Ring gets rid of at least one of those screens. Instead of having a watch that flashes up notifications and vibrates to grab your attention, the Galaxy Ring records your health and wellness data in the background, quietly, unobtrusively and accurately.","type":"text"},{"_id":"H3YHK4WS3BAWVPBTIMAWEWFGE4","additional_properties":{"_id":1732525409897},"content":"The ring will pick up a few metrics. First there is heart rate, which it tracks through the sensors on the inside of the ring’s band. It also tracks skin temperature while you sleep, warning you of potential changes that could mean an impact on your health.","type":"text"},{"_id":"TBXNUZHWCZFMBBNRHRFN3PJBWM","additional_properties":{"_id":1732623780443},"content":"An accelerometer tracks movement, automatically detecting walking and running.","type":"text"},{"_id":"ZRIH7D7BRFG7TLPGZ5PGFJLCNM","additional_properties":{"_id":1732525409898},"content":"It gathers that data, combines it with its own Galaxy AI and spits back some recommendations and health tips. Each day you get a physical readiness score based on the previous day’s activity level, heart rate data and your sleeping pattern, letting you know whether you can take it easy or need to step up the physical activity a bit.","type":"text"},{"_id":"KXCZFUFN7FGQ3MBQXLHPIQSPUQ","additional_properties":{"_id":1732525409899},"content":"Out of the box, the <a href=\"https://www.irishtimes.com/tags/samsung/\" target=\"_blank\">Samsung </a>Galaxy Ring looks impressive. It comes in a clear charging case that doubles as a way to monitor the battery life of the ring, with a ring of LED lights that correspond to the ring’s battery level when you put it in the case.","type":"text"},{"_id":"XIWBFEUR5BBBBBA4D57ZNVHNII","additional_properties":{"_id":1732525409900},"content":"The version reviewed here was the matt black titanium finish, but you can get it in gold or silver too. It is thinner than some of the rings I’ve tested, and feels much more comfortable to wear. There were times I forgot I was wearing it, although the black finish makes it stand out.","type":"text"},{"_id":"RR7MYWDT6JE5DA3F3YKEXSATNQ","additional_properties":{"_id":1732623780447},"content":"It held up well, too; a small scuff on the edge of the underside of the ring was the only evidence that this device had been worn at all.","type":"text"},{"_id":"D23TZYZ2RZCUDJVHVHP6UILMJU","additional_properties":{"_id":"IMFISMA2CRB43AVHDM2GN66I7U"},"content":"Samsung unveils Galaxy Ring, AI-powered phones","type":"interstitial_link"},{"_id":"5QADQFXKJVCJRJ6N7Y2GCRUUOI","additional_properties":{"_id":1732525409901},"content":"After about a week, you have a good idea of your sleep metrics and your activity levels, and you can just check in on the Samsung health app regularly to see how things are progressing and pick up on any areas that you may need to improve. If you want subtle health tracking that actually works, the Galaxy Ring does a good job.","type":"text"},{"_id":"LVO47DSV5VAILIEZKVMADA3EXI","additional_properties":{"_id":1732525409902},"content":"This ring will work with Android devices, including non-Samsung ones, but it is designed to slot into the Samsung ecosystem, and more specifically, the newer devices. So if you want to get the most out of it, you will need at least a Galaxy smartphone that supports its new Galaxy AI. That is because the wellness tips rely on Galaxy AI to offer up some insights. The more you wear it, the more you get out of it.","type":"text"},{"_id":"FZNVU7EHLJESDDCGNRDKDBMBZM","additional_properties":{"_id":1732525409903},"content":"Likewise, the ring will link in with the Galaxy Watch to tag team on health monitoring. The watch can take over activity tracking or heart rate monitoring, saving the Galaxy Ring’s battery from being used unnecessarily.","type":"text"},{"_id":"DXJBXVDUBRDPJHOXJH4FBXMA6A","additional_properties":{"_id":1732525409904},"content":"So far, so good. There are rivals, of course. Oura has been active in this space for a long time, with generation four of its ring released recently, and it works with iOS devices. Movano’s Evie Ring is aiming itself at women’s health. And for serious athletes, you have the Ultrahuman version.","type":"text"},{"_id":"T5LJX6GSYBEYPC7TMKRMAFYMKI","additional_properties":{"_id":1732525409905},"content":"Samsung’s ring is aimed at a more generic, everyday health audience. And it has at least one great point in its favour – it doesn’t need any other subscriptions to gain health insights, just that Galaxy smartphone.","type":"text"},{"_id":"OJBK6JFGLFAPPP6N5TNDLH7ANI","additional_properties":{"_id":1732525409906},"content":"It isn’t perfect, though. The auto activity tracking only works for walking and running, so fitness classes are out, as is swimming.","type":"text"},{"_id":"YXXPND2GL5A6FALYTHTBGPYR2M","additional_properties":{"_id":1732525409907},"content":"The ring also has some gesture controls. Tapping your finger and thumb together can silence an alarm on your phone, for example, or take a photo when the camera is open. It is interesting but still fairly limited; still, it is an indicator of where this could go in the future.","type":"text"},{"_id":"XE7QWYWDVND25APOJA52VSY7NM","additional_properties":{"_id":1732525409908},"content":"Good","type":"header"},{"_id":"2KVHX4HUOJHEPIYJCXVXCBJ2BA","additional_properties":{"_id":1732525409909},"content":"The Galaxy Ring is lightweight and it is easy to forget you are wearing it. Its tracking is accurate, matching not only the Oura Ring but also a chest-strap heart rate monitor, which is considered the most accurate way to monitor your pulse.","type":"text"},{"_id":"34CEEK7OY5AOLDSBL4M4RXY6XY","additional_properties":{"_id":1732525409910},"content":"The charging case is a handy place to store it – no chance the ring will get knocked off – and can be used to see how much battery life is left in the ring through its series of LED lights.","type":"text"},{"_id":"FCIBOTAA7RENPIQKFL5G5V6PIA","additional_properties":{"_id":1732525409911},"content":"Bad","type":"header"},{"_id":"IJ6OIT5IONABTO3R5RRGDSBLCM","additional_properties":{"_id":1732525409912},"content":"It doesn’t work with iOS, and some of its features are reserved for Samsung’s own newer Galaxy phones, including the wellness tips that rely on Galaxy AI. Some features are limited, such as exercise tracking, which only picks up walking and running automatically.","type":"text"},{"_id":"FO56BRR3QFGMBFFT7PY2IS3VWA","additional_properties":{"_id":1732525409913},"content":"Everything else","type":"header"},{"_id":"OBNMWJV2QZED7LAJBKEZEIP4DM","additional_properties":{"_id":1732525409914},"content":"It is rated as water resistant up to 100ATM, so you can wash your hands without having to take it off, or go swimming and even do a bit of snorkelling for short periods of time without removing the ring.","type":"text"},{"_id":"B65ZTGTCMRHHBGB7RUZBQN3DEI","additional_properties":{"_id":1732525409915},"content":"You get about a week out of a full battery charge, but larger ring sizes will get longer.","type":"text"},{"_id":"3ZG5DCVMCNGWZDEICVNGJ6ZWOI","additional_properties":{"_id":1732525409916},"content":"Verdict","type":"header"},{"_id":"6D6GC3KH5FEXDBIXT4S7Z7N2LI","additional_properties":{"_id":1732525409917},"content":"A good choice for Android – mostly Samsung Galaxy – users, and a positive starting point for Samsung. But the exclusivity puts it at a disadvantage to rivals.","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"This ring is comfortable and accurate but is held back by the requirement to pair with a Galaxy AI-enabled phone for full functionality"},"display_date":"2024-11-28T05:00:00Z","headlines":{"basic":"Samsung Galaxy Ring review: Subtle health tracking that actually works","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"QUYUUF5IF5EUNIPVHH4ZVP2E3Q","auth":{"1":"607cd21c192f2ae7549da2441eb441ae94f91496fffe932d230882711273e0c9"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/QUYUUF5IF5EUNIPVHH4ZVP2E3Q.jpg"}},"subtype":"review","taxonomy":{"sections":[{"name":"Consumer Tech"},{"name":"Technology"},{"name":"Business"}]},"type":"story","website_url":"/technology/consumer-tech/review/2024/11/28/samsung-galaxy-ring-review-subtle-health-tracking-that-actually-works/","websites":{"irishtimes":{"website_section":{"_id":"/technology/consumer-tech","additional_properties":{"original":{}},"name":"Consumer Tech"}}}}],"count":10000,"_id":"8b5a5140c77dc3fc0bb8b3663bb3319ca3ffaa9145ecd305a535c8f396107db2"},"expires":1732936797202,"lastModified":1732936496972},"{\"excludeSections\":\"/technology/consumer-tech/\",\"feedOffset\":0,\"feedSize\":3,\"includeSections\":\"/technology\"}":{"data":{"content_elements":[{"_id":"ACKCBND74NATHLG4OLXDH5PMUI","additional_properties":{},"canonical_url":"/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/","content_elements":[{"_id":"VD6F3NOEMJFUFKEYNUKQ6XA2MU","additional_properties":{"_id":1732898333966},"content":"Revenue fell at one of Dell’s main subsidiaries last year with the company hit by ongoing uncertainty in the wider economy.","type":"text"},{"_id":"4ZHBVRFWVNGPFKO5F4FTYKUVN4","additional_properties":{"_id":1732898333967},"content":"Dell Products, which sells and distributes the group’s products in Europe, the Middle East and Asia (EMEA), said its revenue slid 14 per cent as ongoing economic difficulties hit demand. Total revenue for the period was $14.5 billion (€13.75 billion), down from more than $16 billion (€15 billion) in 2023.","type":"text"},{"_id":"TVQDDP5RGFBJXMSHDHVNZYZZYA","additional_properties":{"_id":1732901652310},"content":"Hardware sales remained the largest proportion of revenue. Dell said that fell to $13.5 billion for the year down from just under $16 billion a year earlier. Software sales totalled $401 million in the same period, while support service revenue was $573.5 million.","type":"text"},{"_id":"FVGLAKMCPFFJVFFXRLWGBMR76E","additional_properties":{"_id":1732901652311},"content":"The bulk of revenue – $13.9 billion – came from its European customers, the accounts noted.","type":"text"},{"_id":"QX3EUWHCGVAT3LMJOEKJOYVNHY","additional_properties":{"_id":1732898333968},"content":"Operating profit was $82.6 million for the year to February 2nd, 2024, down from $90.8 million in 2023. A fall in input costs helped raise gross margins slightly, while profit on ordinary activities before interest and taxation fell $8 million year-on-year.","type":"text"},{"_id":"R4OER4RZKVFMZDPVV7OMNG4RAE","additional_properties":{"_id":1732898333969},"content":"Pretax profit slumped as the company wrote down the value of its investments by $115 million. That brought pretax profit to $18.7 million, down from $130.3 million the previous year.","type":"text"},{"_id":"TF73KUCNUJC6DK6J4ZEMDPKX6I","additional_properties":{"_id":1732898333970},"content":"In note on the accounts, Dell said it had received a capital contribution from fellow group member Dell International Holding in October 2018. That $557.7 million contribution was a transfer of shares in a subsidiary company, Dell GmbH. An assessment by directors of their value determined the carrying value was in excess of the recoverable value, leading to the write-down.","type":"text"},{"_id":"YUKFSUQ5LNG7LLKQCU7ERRZ6NQ","additional_properties":{"_id":1732898333971},"content":"A dividend of $47 million was paid to Dell Products by Dell GmbH, in line with the prior year. Dell Products also paid out a dividend of $47 million to Dell Global, which owns 99 per cent of the company, and Dell International Holding, which owns the remaining 1 per cent. That was a fraction of the $160 million recorded a year earlier.","type":"text"},{"_id":"4IMAPSQ24ZAFXFK6CBIAG4SKRY","additional_properties":{"_id":1732898333972},"content":"Dell Products also received a capital contribution from its parent company of $589.8<b> </b>million, in line with the previous year.","type":"text"},{"_id":"7522PJZ4HJFFBJIDIJSUAXD24E","additional_properties":{"_id":1732898333973},"content":"The company paid $11.6 million in tax, including $9.6 million in Irish corporation tax, and the remainder in foreign and other tax charges.","type":"text"},{"_id":"KBMLTW3ZE5H7JONYSIS45EPY4I","additional_properties":{"_id":1732898333974},"content":"Dell Products employs close to more than 2,100 people, down from almost 2,200 in 2023. That was split between sales and distribution, which employed 1,220 people, and administration, which had 900 staff. The wage bill for the year was $240.4 million, up from $209.4 million, despite staff numbers dropping.","type":"text"},{"_id":"JZ3B3TDCKJENNE6FG5C5KZSL6A","additional_properties":{"_id":1732901652319},"content":"Including pensions and other remuneration, the total bill was €286.9 million for the year.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"Company’s $11.6m tax bill included $9.6m in Irish corporation tax"},"display_date":"2024-11-29T17:50:05.579Z","headlines":{"basic":"Dell Products hit by demand slump, reports revenue drop","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"EXVZQUS3QNBP7DFBTPOKRCJSHI","auth":{"1":"bd9071f69b429abb086e8e970e295aba8935ddc029ac953b9263d48981dd9fe2"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/EXVZQUS3QNBP7DFBTPOKRCJSHI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Technology"},{"name":"Big Tech"}]},"type":"story","website_url":"/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"LQLZKN7MWJFRXCQCN4GXQQBLDQ","additional_properties":{"audio_duration":135,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/4e0518ff-b15a-491d-a294-0e0fb67a6b5c/versions/1729512296/media/80ac9b58e15a882678c74d00ce9129d0_compiled.mp3"},"canonical_url":"/technology/consumer-tech/2024/11/29/watch-the-birdie-gadgets-for-techies-and-twitchers-at-christmas/","content_elements":[{"_id":"UZI2OEFB5VAWRPLART6SCSFDBI","additional_properties":{"_id":1729509353921},"content":"Samsung QN900D 65″ 8K HDR Neo QLED Smart TV (2024), €4,799 <a href=\"https://www.harveynorman.ie/index.php?subcats=Y&status=A&pshort=N&pfull=N&pname=Y&pkeywords=Y&search_performed=Y&q=Samsung+QN900D+65%E2%80%B3+8K+HDR+Neo+QLED+Smart+TV+%282024%29&dispatch=products.search\" target=\"_blank\">Harvey Norman</a>","type":"text"},{"_id":"KXLM5Y4EWBGLTFJ33IQNL5FVHQ","additional_properties":{"_id":1729509353922},"content":"Doro 8100 Smartphone, €240, <a href=\"http://shopdoro.ie/\" target=\"_blank\">shopdoro.ie</a>. Order by 20 December","type":"text"},{"_id":"3SSNK4L4GZBUPNXBMCL6INCMUY","additional_properties":{"_id":"TKBYMDBJVRC5NMLHJ7MR5FLNGE"},"type":"image"},{"_id":"YXAJ3PZIVVFVVEG364REHQ4N4M","additional_properties":{"_id":1729509353923},"content":"Dyson OnTrac headphones, €499.00, <a href=\"http://www.dyson.ie/\">dyson.ie</a>","type":"text"},{"_id":"YQXVCGOCWJBRZF64LPVXH67GIE","additional_properties":{"_id":"EROOAZRPLRHWXDOLLS5KDQRKLQ"},"type":"image"},{"_id":"WI5JEAW67BGMHAZNBWXA2L4CXA","additional_properties":{"_id":1729509353924},"content":"Whoop Onyx with Gold Superknit Luxe Band, €99, <a href=\"http://whoop.ie/\" target=\"_blank\">whoop.ie</a>. Order by 19 December","type":"text"},{"_id":"72ZUC32KLFGBHEYTNVOS7DJEUE","additional_properties":{"_id":"ZQ3BMIGNLJD73OFXKEYDZVPG7Y"},"type":"image"},{"_id":"RVQRKS275ZH3HI7LQFYIBPEYD4","additional_properties":{"_id":1729509353925},"content":"Buddy Smart Camera Bird Feeder with Solar Roof – Blue, €279, <a href=\"http://mybirdbuddy.eu/\" target=\"_blank\">mybirdbuddy.eu</a>","type":"text"},{"_id":"3IR6P5F4JRDVXFIPVF26TY2QW4","additional_properties":{"_id":"Q5XCXWJE2BC4PH6SBRUMP7DGC4"},"type":"image"},{"_id":"RLD4T7EUPZGW5NVDVMBXBCK4GM","additional_properties":{"_id":1729509353926},"content":"Noerden Liz+ UV Smart Water Bottle, €59.99, <a href=\"http://currys.ie/\" target=\"_blank\">Currys.ie</a>. Order by 18 December","type":"text"},{"_id":"5575OUHXHFBR3N2QKCBELNMIGU","additional_properties":{"_id":"Q7RZFZA3G5DSNPFY4PW3B6VUQI"},"type":"image"},{"_id":"UW5LMOAXWRC2HONUTAXNZBO2UU","additional_properties":{"_id":1729509353927},"content":"Renpho Calibra 1 Smart Nutrition Scales – Stainless Steel, €29.99, <a href=\"http://currys.ie/\" target=\"_blank\">Currys.ie</a>. Order by 18 December","type":"text"},{"_id":"CKHFKDX4KVADFPVUOOEZZTZ4PI","additional_properties":{"_id":"SCFF4NWQ4NHPFNU7THLN2DWCFA"},"type":"image"},{"_id":"7OCDJI5HN5CXHBQZPUXPA6S5WE","additional_properties":{"_id":1729509353928},"content":"Moleskine Smart Writing System, €249, <a href=\"http://moleskine.com/\" target=\"_blank\">moleskine.com</a>","type":"text"},{"_id":"IDCFX62NHVHBRA7NQCAAFWNTAQ","additional_properties":{"_id":"XMDNIK2NCJBV5A4YR4H2X6K3H4"},"type":"image"},{"_id":"4CSURMDPGFG4PJG3EHPDWNETLM","additional_properties":{"_id":1729509353929},"content":"Philips PicoPix Micro 2TV Mobile Projector, €409.95, <a href=\"http://arnotts.ie/\" target=\"_blank\">arnotts.ie</a>","type":"text"},{"_id":"3L7VDIHX3JBTLIZ2BW2Q5NTDVI","additional_properties":{"_id":"KEOMQERIRRAPTCAIAANCWHRHIE"},"type":"image"},{"_id":"PWIEWOJJOVHIFPZYKW3BTEVAWU","additional_properties":{"_id":1729509353930},"content":"Hatch Restore 2 Sunrise Alarm Clock, €253.35, <a href=\"http://amazon.co.uk/\" target=\"_blank\">amazon.co.uk</a>, Amazon Marketplace","type":"text"},{"_id":"4V7TVNZZXNCQRP2J6X63WJHSFU","additional_properties":{"_id":"YPNFCISEPZFAPO3F7K72QJXJ3Y"},"type":"image"},{"_id":"IGAW5IZHSJADHLRPWABTZDSFGE","additional_properties":{"_id":1729509353931},"content":"Cosmos Twilight Projector, €195, <a href=\"http://sensoryhouse.ie/\" target=\"_blank\">sensoryhouse.ie</a>. Order on or before 20 December","type":"text"},{"_id":"AXQU437YH5GW3JO4UJ32ZUOTZA","additional_properties":{"_id":"BSMXWD5I4JACRIPHDSARFRXUEA"},"type":"image"},{"_id":"JMXBAYI5YVEETDK5J4MPB52HQI","additional_properties":{"_id":1729509353932},"content":"Garmin HRM-Pro Plus Heart Rate Strap – Black, €129.99, <a href=\"http://greatoutdoors.ie/\" target=\"_blank\">greatoutdoors.ie</a>","type":"text"},{"_id":"UI22LB77XVDQ7CSM5FU7PQTU2A","additional_properties":{"_id":"4JOJCQJMUNCFLEVANGSOHSFOBI"},"type":"image"},{"_id":"MPGIVYPCUZELJHVAGTOH33SISM","additional_properties":{"_id":1729509353933},"content":"Majority P300 Bluetooth Megasound Party Speaker, €119.99, <a href=\"http://currys.ie/\" target=\"_blank\">Currys.ie</a>. Order by 18 December.","type":"text"},{"_id":"V34BDHLQS5EGHJGCHGK7Q6ZHC4","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Aoife Barry"}]},"description":{"basic":"A bird feeder with a camera that gets you right up close to your garden visitors is among our tech gift picks for Christmas"},"display_date":"2024-11-29T05:00:00Z","headlines":{"basic":"Watch the birdie: Gadgets for techies and twitchers at Christmas","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"DQUU5ZXQLBCLXJDVTAIHMDEBY4","auth":{"1":"cea8e61a241a1cf85e0174eda7028453b5fe6b5859fe7f5ac5af38f7cf54917e"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/DQUU5ZXQLBCLXJDVTAIHMDEBY4.png"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Consumer Tech"},{"name":"Technology"}]},"type":"story","website_url":"/technology/consumer-tech/2024/11/29/watch-the-birdie-gadgets-for-techies-and-twitchers-at-christmas/","websites":{"irishtimes":{"website_section":{"_id":"/technology/consumer-tech","additional_properties":{"original":{}},"name":"Consumer Tech"}}}},{"_id":"DGD2XNRXTZBXHDFU4PPDEGUY5E","additional_properties":{"audio_duration":339,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/b9e8dc71-ab7d-4902-a2ec-8514e6b4a237/versions/1732625640/media/d111e8eb5f6aeeec0e5f47a48773a9c4_compiled.mp3"},"canonical_url":"/technology/consumer-tech/review/2024/11/28/samsung-galaxy-ring-review-subtle-health-tracking-that-actually-works/","content_elements":[{"_id":"V3ZYQJXMGZDS5JFUXZNOKS6EWA","additional_properties":{"_id":"LZWOT433Y5HDDJY6UHSJNNIPUU"},"embed":{"config":{},"id":"review-highlights-81084","url":"/"},"subtype":"review_powerup","type":"custom_embed"},{"_id":"FCLJ7ZRJRBAQTGFELYTHVUYOPE","additional_properties":{"_id":1732525409893},"content":"There are too many screens vying for our attention these days. If it is not your phone, it is your smartwatch or a tablet, vibrating with notifications to let us know exactly what we are missing out on.","type":"text"},{"_id":"WDQ7KRHLFBEBLJI3VOCXO2YCEM","additional_properties":{"_id":1732525409894},"content":"The simple answer would be to put the devices down, turn off notifications and step away. Break the cycle of information overload, reduce our stress levels, go back to a simpler time. But who are we kidding? Some people like the idea of tracking their steps, others want to keep track of their heart rate and sleep","type":"text"},{"_id":"HXISI3WTEJBLFLXNPWZJLZIRWA","additional_properties":{"_id":1732525409896},"content":"The Galaxy Ring gets rid of at least one of those screens. Instead of having a watch that flashes up notifications and vibrates to grab your attention, the Galaxy Ring records your health and wellness data in the background, quietly, unobtrusively and accurately.","type":"text"},{"_id":"H3YHK4WS3BAWVPBTIMAWEWFGE4","additional_properties":{"_id":1732525409897},"content":"The ring will pick up a few metrics. First there is heart rate, which it tracks through the sensors on the inside of the ring’s band. It also tracks skin temperature while you sleep, warning you of potential changes that could mean an impact on your health.","type":"text"},{"_id":"TBXNUZHWCZFMBBNRHRFN3PJBWM","additional_properties":{"_id":1732623780443},"content":"An accelerometer tracks movement, automatically detecting walking and running.","type":"text"},{"_id":"ZRIH7D7BRFG7TLPGZ5PGFJLCNM","additional_properties":{"_id":1732525409898},"content":"It gathers that data, combines it with its own Galaxy AI and spits back some recommendations and health tips. Each day you get a physical readiness score based on the previous day’s activity level, heart rate data and your sleeping pattern, letting you know whether you can take it easy or need to step up the physical activity a bit.","type":"text"},{"_id":"KXCZFUFN7FGQ3MBQXLHPIQSPUQ","additional_properties":{"_id":1732525409899},"content":"Out of the box, the <a href=\"https://www.irishtimes.com/tags/samsung/\" target=\"_blank\">Samsung </a>Galaxy Ring looks impressive. It comes in a clear charging case that doubles as a way to monitor the battery life of the ring, with a ring of LED lights that correspond to the ring’s battery level when you put it in the case.","type":"text"},{"_id":"XIWBFEUR5BBBBBA4D57ZNVHNII","additional_properties":{"_id":1732525409900},"content":"The version reviewed here was the matt black titanium finish, but you can get it in gold or silver too. It is thinner than some of the rings I’ve tested, and feels much more comfortable to wear. There were times I forgot I was wearing it, although the black finish makes it stand out.","type":"text"},{"_id":"RR7MYWDT6JE5DA3F3YKEXSATNQ","additional_properties":{"_id":1732623780447},"content":"It held up well, too; a small scuff on the edge of the underside of the ring was the only evidence that this device had been worn at all.","type":"text"},{"_id":"D23TZYZ2RZCUDJVHVHP6UILMJU","additional_properties":{"_id":"IMFISMA2CRB43AVHDM2GN66I7U"},"content":"Samsung unveils Galaxy Ring, AI-powered phones","type":"interstitial_link"},{"_id":"5QADQFXKJVCJRJ6N7Y2GCRUUOI","additional_properties":{"_id":1732525409901},"content":"After about a week, you have a good idea of your sleep metrics and your activity levels, and you can just check in on the Samsung health app regularly to see how things are progressing and pick up on any areas that you may need to improve. If you want subtle health tracking that actually works, the Galaxy Ring does a good job.","type":"text"},{"_id":"LVO47DSV5VAILIEZKVMADA3EXI","additional_properties":{"_id":1732525409902},"content":"This ring will work with Android devices, including non-Samsung ones, but it is designed to slot into the Samsung ecosystem, and more specifically, the newer devices. So if you want to get the most out of it, you will need at least a Galaxy smartphone that supports its new Galaxy AI. That is because the wellness tips rely on Galaxy AI to offer up some insights. The more you wear it, the more you get out of it.","type":"text"},{"_id":"FZNVU7EHLJESDDCGNRDKDBMBZM","additional_properties":{"_id":1732525409903},"content":"Likewise, the ring will link in with the Galaxy Watch to tag team on health monitoring. The watch can take over activity tracking or heart rate monitoring, saving the Galaxy Ring’s battery from being used unnecessarily.","type":"text"},{"_id":"DXJBXVDUBRDPJHOXJH4FBXMA6A","additional_properties":{"_id":1732525409904},"content":"So far, so good. There are rivals, of course. Oura has been active in this space for a long time, with generation four of its ring released recently, and it works with iOS devices. Movano’s Evie Ring is aiming itself at women’s health. And for serious athletes, you have the Ultrahuman version.","type":"text"},{"_id":"T5LJX6GSYBEYPC7TMKRMAFYMKI","additional_properties":{"_id":1732525409905},"content":"Samsung’s ring is aimed at a more generic, everyday health audience. And it has at least one great point in its favour – it doesn’t need any other subscriptions to gain health insights, just that Galaxy smartphone.","type":"text"},{"_id":"OJBK6JFGLFAPPP6N5TNDLH7ANI","additional_properties":{"_id":1732525409906},"content":"It isn’t perfect, though. The auto activity tracking only works for walking and running, so fitness classes are out, as is swimming.","type":"text"},{"_id":"YXXPND2GL5A6FALYTHTBGPYR2M","additional_properties":{"_id":1732525409907},"content":"The ring also has some gesture controls. Tapping your finger and thumb together can silence an alarm on your phone, for example, or take a photo when the camera is open. It is interesting but still fairly limited; still, it is an indicator of where this could go in the future.","type":"text"},{"_id":"XE7QWYWDVND25APOJA52VSY7NM","additional_properties":{"_id":1732525409908},"content":"Good","type":"header"},{"_id":"2KVHX4HUOJHEPIYJCXVXCBJ2BA","additional_properties":{"_id":1732525409909},"content":"The Galaxy Ring is lightweight and it is easy to forget you are wearing it. Its tracking is accurate, matching not only the Oura Ring but also a chest-strap heart rate monitor, which is considered the most accurate way to monitor your pulse.","type":"text"},{"_id":"34CEEK7OY5AOLDSBL4M4RXY6XY","additional_properties":{"_id":1732525409910},"content":"The charging case is a handy place to store it – no chance the ring will get knocked off – and can be used to see how much battery life is left in the ring through its series of LED lights.","type":"text"},{"_id":"FCIBOTAA7RENPIQKFL5G5V6PIA","additional_properties":{"_id":1732525409911},"content":"Bad","type":"header"},{"_id":"IJ6OIT5IONABTO3R5RRGDSBLCM","additional_properties":{"_id":1732525409912},"content":"It doesn’t work with iOS, and some of its features are reserved for Samsung’s own newer Galaxy phones, including the wellness tips that rely on Galaxy AI. Some features are limited, such as exercise tracking, which only picks up walking and running automatically.","type":"text"},{"_id":"FO56BRR3QFGMBFFT7PY2IS3VWA","additional_properties":{"_id":1732525409913},"content":"Everything else","type":"header"},{"_id":"OBNMWJV2QZED7LAJBKEZEIP4DM","additional_properties":{"_id":1732525409914},"content":"It is rated as water resistant up to 100ATM, so you can wash your hands without having to take it off, or go swimming and even do a bit of snorkelling for short periods of time without removing the ring.","type":"text"},{"_id":"B65ZTGTCMRHHBGB7RUZBQN3DEI","additional_properties":{"_id":1732525409915},"content":"You get about a week out of a full battery charge, but larger ring sizes will get longer.","type":"text"},{"_id":"3ZG5DCVMCNGWZDEICVNGJ6ZWOI","additional_properties":{"_id":1732525409916},"content":"Verdict","type":"header"},{"_id":"6D6GC3KH5FEXDBIXT4S7Z7N2LI","additional_properties":{"_id":1732525409917},"content":"A good choice for Android – mostly Samsung Galaxy – users, and a positive starting point for Samsung. But the exclusivity puts it at a disadvantage to rivals.","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"This ring is comfortable and accurate but is held back by the requirement to pair with a Galaxy AI-enabled phone for full functionality"},"display_date":"2024-11-28T05:00:00Z","headlines":{"basic":"Samsung Galaxy Ring review: Subtle health tracking that actually works","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"QUYUUF5IF5EUNIPVHH4ZVP2E3Q","auth":{"1":"607cd21c192f2ae7549da2441eb441ae94f91496fffe932d230882711273e0c9"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/QUYUUF5IF5EUNIPVHH4ZVP2E3Q.jpg"}},"subtype":"review","taxonomy":{"sections":[{"name":"Consumer Tech"},{"name":"Technology"},{"name":"Business"}]},"type":"story","website_url":"/technology/consumer-tech/review/2024/11/28/samsung-galaxy-ring-review-subtle-health-tracking-that-actually-works/","websites":{"irishtimes":{"website_section":{"_id":"/technology/consumer-tech","additional_properties":{"original":{}},"name":"Consumer Tech"}}}}],"count":10000,"_id":"949daf3dfd4fd9c6210b1c662a4d31c6a588fbac60c00f3d5a6714ac26e96345"},"expires":1732936797144,"lastModified":1732936497032},"{\"feedOffset\":0,\"feedSize\":5,\"includeSections\":\"/your-money\"}":{"data":{"content_elements":[{"_id":"XLKJCBNXQVHUVED3EKAZUHD2BM","additional_properties":{"audio_duration":161,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/b952d2ef-24b8-4512-ab51-4ee48493ccd5/versions/1732895699/media/59ccc6035d82e57281d0cdae00c5bccf_compiled.mp3"},"canonical_url":"/your-money/2024/11/29/how-to-shop-safely-online-garda-golden-rules-for-black-friday-and-christmas-season-sales/","content_elements":[{"_id":"OQOVZKUIZNCGXAKYH7Z45NIWBA","additional_properties":{"_id":1732894167669},"content":"<a href=\"https://www.irishtimes.com/tags/black-friday\" target=\"_blank\">Black Friday</a> and Cyber Monday have landed and due to the significant increase in the numbers of people shopping online, <a href=\"https://www.irishtimes.com/tags/an-garda-siochana\" target=\"_blank\">gardaí</a> have issued guidelines on how to do so safely.","type":"text"},{"_id":"F7CJQIHUDVE53CMKXOPTQWVQCM","additional_properties":{"_id":1732894167670},"content":"Some scams can be quite obvious, while others can be more elaborate and difficult to recognise, An Garda Síochána said in a statement to coincide with Black Friday.","type":"text"},{"_id":"MXVZOVNPMJG6PAB4VR4JKZPHSY","additional_properties":{"_id":1732894830572},"content":"The Garda National Economic Crime Bureau listed a number of “golden rules” for shopping online:","type":"text"},{"_id":"YCDY6C2IB5FUNMX3YVDX7FFP3I","additional_properties":{},"type":"list"},{"_id":"2AHMOI3Y5ZALFNMXMQOQ2243DE","additional_properties":{"_id":1732894830575},"content":"“Many people are being deceived by shopping on cloned websites or on legitimate ‘second sales’ sites or where they are persuaded to go off-site for a cheaper cash deal,” gardaí said.","type":"text"},{"_id":"OBEDLWAAZZD6BD55OEBINYCQXE","additional_properties":{"_id":1732894830576},"content":"“Knowing what to look for and how to avoid scams is the best way to stay safe.”","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Jade Wilson"}},"name":"Jade Wilson"}]},"description":{"basic":"Follow these rules from the Garda National Economic Crime Bureau for safer shopping"},"display_date":"2024-11-29T15:49:50.815Z","headlines":{"basic":"How to shop safely online: Garda ‘golden rules’ for Black Friday and Christmas season sales","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"I2HO7AG3XVHWNDJFYFN5C2WXEA","auth":{"1":"78c6dcbe8e2c08b497f9b9e3b71a997d8633139e1ce5fb293837e23abfd16568"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/I2HO7AG3XVHWNDJFYFN5C2WXEA.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Your Money"},{"name":"Crime & Law"}]},"type":"story","website_url":"/your-money/2024/11/29/how-to-shop-safely-online-garda-golden-rules-for-black-friday-and-christmas-season-sales/","websites":{"irishtimes":{"website_section":{"_id":"/your-money","additional_properties":{"original":{}},"name":"Your Money"}}}},{"_id":"U23EPJDTA5D4ZOXHEZGFZVMMKI","additional_properties":{"audio_duration":464,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/0f555bb2-0c33-4991-9403-aa5dae3b71e0/versions/1732889391/media/3929ec51fa11ee6986032822c4175e40_compiled.mp3"},"canonical_url":"/your-money/2024/11/29/christmas-shopping-online-the-perils-and-the-benefits/","content_elements":[{"_id":"YQSR232A45FXVCEK5V5IJ4BGPA","additional_properties":{"_id":1732815932583},"content":"Hello again and welcome to the On the Money newsletter. This week we are looking at the pros and cons of doing your <a href=\"https://www.irishtimes.com/tags/christmas\" target=\"_blank\">Christmas</a> shopping online.","type":"text"},{"_id":"UGQJYZV4X5GTDE6OHI7SL3RHEE","additional_properties":{"_id":1732877173165},"content":"Over the next three or four weeks Ireland’s delivery drivers will be run ragged dropping off millions of packages worth hundreds of millions of euro at the doors of consumers from Donegal to Dingle.","type":"text"},{"_id":"UX2AJBAEF5FLHG63HBVRU3XIEA","additional_properties":{"_id":1732815932584},"content":"Most of the deliveries will be processed correctly and will arrive safely and promptly. They will also be what they are supposed to be when they are opened and there won’t be any unpleasant tax surprises attached to the deliveries.","type":"text"},{"_id":"DCFTYK4PJNHX3MMWMXZHDLEV5A","additional_properties":{"_id":1732815932585},"content":"But with Irish people set to shop online in record-breaking numbers this Christmas, there will inevitably be many people who end up wondering if the shift to online shopping was worth it. There will be many others who will end up being ripped off or let down or facing less than jolly tax bills.","type":"text"},{"_id":"DQNCX2VKANHNPAVZERZFCD55TM","additional_properties":{"_id":1732815932587},"content":"Almost eight in 10 people with an internet connection shopped online last year, according to figures from the <a href=\"https://www.irishtimes.com/tags/central-statistics-office\" target=\"_blank\">Central Statistics Office</a> with the percentage climbing to over 90 per cent in households with young children.","type":"text"},{"_id":"T7YKZKPB4RDT3MRAV2TI2YV6FI","additional_properties":{"_id":1732815932588},"content":"It is easy to see the appeal. The choices we have are virtually limitless in the online world and there is real value to be found. It is hassle free and can be done from the comfort of your couch or bed and, as long as you do it in plenty of time for Christmas, you won’t find yourself stressing about whether or not the perfect gift will find its way under your tree ahead of the big day.","type":"text"},{"_id":"IULJA45LEJERRPSOX4HS7TGC54","additional_properties":{"_id":1732815932590},"content":"According to research from <a href=\"https://www.irishtimes.com/tags/aib\" target=\"_blank\">AIB</a>, Irish shoppers are likely to break previous records for online spending this weekend.","type":"text"},{"_id":"PSR7NTL2AFC4LPHIRYJPOJAGLA","additional_properties":{"_id":1732815932591},"content":"On <a href=\"https://www.irishtimes.com/tags/black-friday\" target=\"_blank\">Black Friday</a> last year €105 million was spent by Irish shoppers on almost 1 million transactions. The day saw €4.3 million spent every hour, €73,000 every minute or €1,200 every second, with the busiest hours for spend between 10am and 11am and over 57,000 transactions in that hour.","type":"text"},{"_id":"CZWC6EAPMFGHDOGMKEM232YFVM","additional_properties":{"_id":1732815932592},"content":"Many estimates point to this year being even busier which means that in the time it takes you to read this sentence, Irish consumers will have spent just over €20,000.","type":"text"},{"_id":"MWWLP24TBBFAPHTEIL2BIKWA5E","additional_properties":{"_id":1732815932593},"content":"The good news is that consumers have far more rights when it comes to shopping online than they do when shopping in person.","type":"text"},{"_id":"BTRTH7T2UJGWRJ5Z6TSL7UGWC4","additional_properties":{"_id":1732815932594},"content":"They can return products for any reason whatsoever, a right people do not have if they spend their money in physical stores although the online shoppers do have to post the products back and sometimes incur costs when they do so.","type":"text"},{"_id":"TFNDVAUYFBHOZEPMMHFGBW2QKI","additional_properties":{"_id":1732815932595},"content":"That, as anyone who has ever had to do it, can be a real hassle. But returns are not the only delivery issue we are facing.","type":"text"},{"_id":"ZMQWBSA4ZREV3AB3LMN4KFECMM","additional_properties":{"_id":1732815932596},"content":"As the numbers shopping online grow so too do the demands on delivery companies and delivery drivers.","type":"text"},{"_id":"SRU56O7COFHV5AZ55JFZRVH52I","additional_properties":{"_id":1732815932597},"content":"On a busy day – and every day between now and Christmas Eve will be a busy day – they are working from dawn to dusk (and often far beyond dusk) and will be expected to deliver a huge volume of boxes.","type":"text"},{"_id":"YFLWEIZHIVALZHDNWCSPHMTSCU","additional_properties":{"_id":1732815932598},"content":"That goes some way towards explaining why some drivers don’t have the time to wait for you to answer the door so they will knock and leave the parcel at the doorstep. That is grand if you answer just as they drive away. It is not so grand if you are not at home.","type":"text"},{"_id":"EIOI2XN6GBFNRMN7OJLOB77HZI","additional_properties":{"_id":1732815932599},"content":"In the recent past we have documented how enthusiastic dogs have wolfed down clothes left in gardens and highlighted expensive technology in “steal me” boxes being left on the street for all the world to see.","type":"text"},{"_id":"E5QNW7XE7JGQLKC6FIIHWVDRRU","additional_properties":{"_id":1732815932600},"content":"Books, art and other gifts have been left by delivery drivers in wheelie bins – to keep them dry – which is all well and good unless the recipient does not know it has happened, and they leave the bins – with the deliveries – out for collection.","type":"text"},{"_id":"PSLZZELPSZEQJKJVH4BATZFZPU","additional_properties":{"_id":1732815932601},"content":"We have heard from many readers over many months who have seen parcels go missing. They do, however, at least have some redress.","type":"text"},{"_id":"3BMU4NZAWFEDTOJUZBJGXVESRA","additional_properties":{"_id":1732815932602},"content":"Ultimately, a shopper’s contract is with the retailer and if they pay for a product that does not arrive or is destroyed by weather or eaten by a dog after being left outside, the consumer has the right to a replacement or a refund. The retailer can then pursue the delivery company.","type":"text"},{"_id":"AWLQT63HRFH3HD66EHRI74G26Q","additional_properties":{"_id":1732879150551},"content":"Surprise taxes and charges","type":"header"},{"_id":"FHALSWF37JDBNNKPXUNTG74HXA","additional_properties":{"_id":1732815932603},"content":"But the odd delivery issue aside, there will be other things online shoppers will have to contend with that can be equally, if not more, problematic.","type":"text"},{"_id":"6AFQBEH63RBK7FHATEOTG2IWGE","additional_properties":{"_id":1732815932604},"content":"Surprise taxes and charges are up there with the worst of them.","type":"text"},{"_id":"NT4Q6BZKHZCYTIO6N7QWOWHS3I","additional_properties":{"_id":1732815932605},"content":"Many websites attractive to Irish consumers are based in Britain and once it left the EU, a whole new tax regime kicked in as our friend across the Irish Sea became known as a third country which, in tax terms, puts it on a par with China, South Africa and Argentina.","type":"text"},{"_id":"ZDTUXXJHAVBXZOAVF4XMVMZFCQ","additional_properties":{"_id":1732815932606},"content":"By now, the majority of larger British-based companies take tax changes into account in the price Irish shoppers pay at the checkout online.","type":"text"},{"_id":"A7EIRWGV7ZDBJCYCEJW3HCVL2M","additional_properties":{"_id":1732815932607},"content":"Smaller operators, however, might not be as tax efficient and that is leading to some hefty pre-delivery tax demands.","type":"text"},{"_id":"PADMQWW5EFB7FIQ32XT2S2L5QU","additional_properties":{"_id":1732815932608},"content":"Irish VAT applies to goods from third country retailers if it costs more than €22. Customs fees apply to purchases of more than €150. There is also an administrative fee charged by delivery companies, with all the additions often taking the gloss off overseas purchases.","type":"text"},{"_id":"5PTEU3XW7ZGMBJTXGUB2USRJGQ","additional_properties":{"_id":1732815932609},"content":"It is worth noting that the €150 threshold, under which items can be bought duty free, could soon be abolished as the EU is keen to impose customs duties on cheap goods bought from Chinese online retailers including Temu and <a href=\"https://www.irishtimes.com/tags/shein/\">Shein</a> in an effort to stem a surge in what the EU sees as unfair competition.","type":"text"},{"_id":"UTOUHPFTXNG7DOBA4AJAJOXDVY","additional_properties":{"_id":1732815932610},"content":"Last year 2.3 billion items below the duty-free €150 threshold were imported into the EU, according to the commission.","type":"text"},{"_id":"AKGXFV5XFZDA5JDFCEXT4KIMOQ","additional_properties":{"_id":1732815932611},"content":"There is also likely to be some confusion caused by companies based in other countries using websites with .ie domains.","type":"text"},{"_id":"ZOCUIQJFOBFX5PRGMSNHZHSXPM","additional_properties":{"_id":1732815932612},"content":"Up to 10 per cent of the .ie domains are registered to an overseas owner, with businesses based in Britain being the most likely to seek such an address.","type":"text"},{"_id":"MWK3RLABYNHR7JOWAFY74KMFMQ","additional_properties":{"_id":1732815932613},"content":"And then there are scams. One fairly new one to watch out for – one that is linked to the .ie issue we have just mentioned – sees ads for websites promising heavily discounted clothes and accessories popping up on people’s social media feeds.","type":"text"},{"_id":"ULF33J5QLFAA5EBKGIJLKZL5QA","additional_properties":{"_id":1732815932614},"content":"The ads take users to websites which look like they are Irish retailers, JohnnysJeansGalway.ie, for example (we checked and there is no such site but if you are called Johnny and you are selling jeans in Galway, we can only apologise).","type":"text"},{"_id":"GLDHTZJ5WNCL5LFHPZU3RFW3SU","additional_properties":{"_id":1732815932615},"content":"These sites make all sorts of promises about sales and the like but the products – if they arrive at all – will not be what the shopper thought they were going to be and they will have come from far, far away leaving the customer with virtually no right to redress.","type":"text"},{"_id":"LD6VFHKO2RHU5L2EPW5GXAE5DM","additional_properties":{"_id":1732815932616},"content":"Then, of course, there will be the waves of spam calls and texts claiming that people have charges due to <a href=\"https://www.irishtimes.com/tags/an-post\" target=\"_blank\">An Post</a>, <a href=\"https://www.irishtimes.com/tags/ups\" target=\"_blank\">UPS</a>, <a href=\"https://www.irishtimes.com/tags/dhl\" target=\"_blank\">DHL</a> or the likes to free up delivery of a parcel.","type":"text"},{"_id":"BT2NCEAIHNBWNBBCDIDEPDZ4MA","additional_properties":{"_id":1732815932617},"content":"All of this does not mean online is bad – it is great but people need to shop carefully and be aware of the consequences of their spending decisions now and in the future. And, as ever, it is always a good idea to shop local.","type":"text"},{"_id":"3CFGVRZ4GFBYPD7Y5HRUPJ6QQQ","additional_properties":{"_id":1732815932618},"content":"According to a report from Guaranteed Irish, every €20 spent with an Irish company is worth €30 to the local economy. If the money is spent with a giant multinational based in Swindon or Shanghai, it is just hoovered out of the country never to be seen again.","type":"text"},{"_id":"YLKU5OFOMNG55EERTBTRRJBTMA","additional_properties":{"_id":"P2A6BHNBIRDJPHUVTHXQXZM7TM"},"content":"<i>You can contact us at </i><a href=\"mailto:OnTheMoney@irishtimes.com\"><i>OnTheMoney@irishtimes.com</i></a><i> with personal finance questions you would like to see us address. If you missed last week’s newsletter on the financial supports available for carers, you can read it </i><a href=\"https://www.irishtimes.com/your-money/2024/11/22/a-helping-hand-with-the-cost-of-caring-what-supports-are-available/\" target=\"_blank\"><i>here</i></a><i>.</i>","type":"text"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Conor Pope"}},"name":"Conor Pope"}]},"description":{"basic":"Occasional delivery issues aside, there will be other things online shoppers will have to contend with that can be equally, if not more, problematic, such as taxes"},"display_date":"2024-11-29T11:15:42.015Z","headlines":{"basic":"From surprise charges to new scams: The perils of Christmas online shopping","native":""},"label":{"audio_project_id":{"text":"8948"},"basic":{"display":true,"text":"On The Money Newsletter"}},"promo_items":{"basic":{"_id":"YKJSW2TJCRDTHPGRNJ2LNFTI5Q","auth":{"1":"fde536acc110e990d5f793eeef81804f537c0ae2c7fe11eac033f02698f4b5e4"},"focal_point":{"x":2091,"y":1342},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/YKJSW2TJCRDTHPGRNJ2LNFTI5Q.jpg"}},"subtype":"editors-note","taxonomy":{"sections":[{"name":"Your Money"}]},"type":"story","website_url":"/your-money/2024/11/29/christmas-shopping-online-the-perils-and-the-benefits/","websites":{"irishtimes":{"website_section":{"_id":"/your-money","additional_properties":{"original":{}},"name":"Your Money"}}}},{"_id":"JT2D3XAVI5FPTPPDJCTV2LV2H4","additional_properties":{"audio_duration":233,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/bd204b89-7ff3-46f9-b6d7-8e078e6fec8c/versions/1732814092/media/dbe70b18d6c0a7d1894dd7aec9f38686_compiled.mp3"},"canonical_url":"/your-money/2024/11/29/why-some-retailers-wont-be-taking-part-in-black-friday-and-cyber-monday-sales/","content_elements":[{"_id":"EKB2ZYWG2VGUFK4GKXETKX54BI","additional_properties":{"_id":1732804304225},"content":"While more than 30 per cent of Irish consumers will look to take advantage of <a href=\"https://www.irishtimes.com/tags/black-friday/\" target=\"_blank\">Black Friday</a> discounts this weekend, some shoppers, retailers and lobby groups are turning away from the sales window over concerns about its impact on their margins and the planet.","type":"text"},{"_id":"A4DP5QPKKFFQJNEC7YKQD4BI7M","additional_properties":{"_id":1732804304226},"content":"According to recent research for the <a href=\"https://www.irishtimes.com/tags/competition-and-consumer-protection-commission-ccpc/\" target=\"_blank\">Competition and Consumer Protection Commission</a> (CCPC), <a href=\"https://www.irishtimes.com/business/2024/11/22/irish-shoppers-losing-interest-and-trust-in-black-friday-sales/\" target=\"_blank\">interest in Black Friday and Cyber Monday sales shopping has dropped significantly</a> when compared with last year, with only 36 per cent of those surveyed expecting to shop in the sales compared to 45 per cent last year.","type":"text"},{"_id":"3E5O3OYUABCL7IM7E5TG7B63H4","additional_properties":{"_id":1732804304227},"content":"Despite the fall-off in interest among some shoppers, those who do go out in search of bargains are likely to spend more than ever, with the average expected spend up to €431 compared to €343 in 2023.","type":"text"},{"_id":"ZNK6W37OHVDV7NWUK2BDNC3MOU","additional_properties":{"_id":1732804304228},"content":"People won’t be spending any of their Black Friday money in Fresh Cuts, a small independent clothes retailer in Dublin city centre, however.","type":"text"},{"_id":"GPOY2HKMC5CBNKXLXRWQFFOBNY","additional_properties":{"_id":1732804304229},"content":"The shop is owned by Steven Murphy and he has refused to embrace the sales period which was imported from the United States less than 10 years ago.","type":"text"},{"_id":"OSWK5VBHLFFNPMNZL5OAS6SDVU","additional_properties":{"_id":1732804304230},"content":"“We’ve never bought into it, and instead of having a Black Friday sale we have a Give Back Friday,” he said.","type":"text"},{"_id":"64ABY6U5INGE3HGIW2COYJRB5Q","additional_properties":{"_id":1732804304231},"content":"That will see Fresh Cuts work with a charity, with “every order we get from Friday to Cyber Monday equalling a care package for a child in hospital”, he said.","type":"text"},{"_id":"W5B6KWD5DBEBJLP7KWHZZTE4XY","additional_properties":{"_id":1732804304232},"content":"Murphy said there were multiple reasons why his shop would not be taking part. “Giving discounts just before Christmas does put pressure on shops,” he said. “There is a huge amount of pressure on us and we have been getting emails and DMs [direct messages] on Instagram for the last week-and-a-half from people asking what our Black Friday Deals are. When we explain what we’re doing, people understand and buy into that.”","type":"text"},{"_id":"IXQG6UGLVBC7BJ4K4OKID6UZWE","additional_properties":{"_id":1732804304233},"content":"That is not the only way Black Friday impacts on his business, however, and he has noticed a fall-off in sales in the run-up to the date as shoppers hold off on spending “because they think that there’s going to be these big deals”.","type":"text"},{"_id":"Q5LSEA3FF5GGJMLI7YG7Y7YUQQ","additional_properties":{"_id":"BBUDIOKTU5F2TP4MJEMW2W44JI"},"content":"Black Friday is nothing more than Bleak Friday when it comes to environment","type":"interstitial_link"},{"_id":"K2ZDIGWCX5EFHIFIVT7SQZGTDA","additional_properties":{"_id":1732804304234},"content":"He is sceptical about many deals offered by other retailers. “We don’t have huge amount of stock as we’re a small brand, but a lot or retailers are just clearing old stock,” he said.","type":"text"},{"_id":"TO4LKJSGMNHMFAWFY5DRRMRBLU","additional_properties":{"_id":1732804304235},"content":"He said that many “big brands hold on to dead stock and then launch Black Friday 70 per cent off sales, but they are selling stock that might have been sitting in their warehouses for two years and they weren’t able to sell anyway”.","type":"text"},{"_id":"2P37BZRSZZBC3B2ONDSTW2SAZE","additional_properties":{"_id":1732804304236},"content":"Apart from the economics of it, he said there were concerns from a sustainability perspective. “There is the whole extravagance behind it, with people buying stuff they don’t need.”","type":"text"},{"_id":"QORIWVHKCFDCFEBEQL7FZQW4KQ","additional_properties":{"_id":1732804304238},"content":"His concerns were echoed by the chief executive of the Guaranteed Irish label, Brid O’Connell, who questioned the sustainability of many Black Friday sales.","type":"text"},{"_id":"YKMA4G2K65BXZHLT3G5MAFFVBY","additional_properties":{"_id":1732804304239},"content":"“When Black Friday started here it seemed like a great idea, but I think it has got jaded and people have got tired of it,” she said.","type":"text"},{"_id":"Y4HQXY7TFJHC7JGY6QAVEMUSKY","additional_properties":{"_id":"GQ2XGNFGZNDNPGS56RBVZSLKTA"},"content":"Shoppers urged to be fraud aware as Black Friday spending surge looms","type":"interstitial_link"},{"_id":"GCXCQMU4QNGVTJPCPQVPMCV64Y","additional_properties":{"_id":1732804304240},"content":"“There are retailers who see it as an opportunity to shift old stock, but consumers see through that.”","type":"text"},{"_id":"MB6GDQDPTZGOPEMGB5NANDG36A","additional_properties":{"_id":1732804304241},"content":"She said Guaranteed Irish did not encourage members to get involved in the sale, but “if they want to do it well and good, that’s their business but it’s not something we make a play on because there’s literally no sustainability behind it”.","type":"text"},{"_id":"OA7QUQJBGRAAXOSKGKKDNYC3MM","additional_properties":{"_id":1732804304242},"content":"Whatever about the sale period, she said in the run-up to Christmas it was “vital to celebrate and support the incredible work of Irish businesses. Every euro spent locally strengthens our economy, sustains jobs, and supports vibrant communities,” she said.","type":"text"},{"_id":"V34BDHLQS5EGHJGCHGK7Q6ZHC4","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Conor Pope"}},"name":"Conor Pope"}]},"description":{"basic":"Concerns around economics and sustainability have some retailers refusing to embrace the ‘discount sales’ period"},"display_date":"2024-11-29T06:00:00Z","headlines":{"basic":"Why some Irish retailers will not be taking part in Black Friday and Cyber Monday sales","native":"Black Friday: ‘Some retailers see it as an opportunity to shift old stock, but consumers see through that’"},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"Y657FVGLZJHOBOLYJLMLIR674E","auth":{"1":"a26a53929947f793dd3a7be343f3dfb38c6d2cc3fa28315d93241f1c0b669846"},"focal_point":{"x":3836,"y":2693},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/Y657FVGLZJHOBOLYJLMLIR674E.JPG"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Your Money"}]},"type":"story","website_url":"/your-money/2024/11/29/why-some-retailers-wont-be-taking-part-in-black-friday-and-cyber-monday-sales/","websites":{"irishtimes":{"website_section":{"_id":"/your-money","additional_properties":{"original":{}},"name":"Your Money"}}}},{"_id":"EAE3WTH7BFHKTGNXOW46AEFQ2Y","additional_properties":{"audio_duration":199,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/c4c4dee4-7d74-4f47-bfa2-52892c59f8db/versions/1732807111/media/5f8cb9fc358cfe0a436fa52436a0991b_compiled.mp3"},"canonical_url":"/your-money/2024/11/29/retailers-taken-to-court-over-fake-discounts-as-black-friday-starts-christmas-sales-season/","content_elements":[{"_id":"7V2BENQ2LBHDJP4OF7AJAJPOOA","additional_properties":{"_id":1732799688795},"content":"Retailers selling electronics, cosmetics, furniture and clothes have been accused by the consumer watchdog of deliberately misleading shoppers looking for bargains in the <a href=\"https://www.irishtimes.com/tags/black-friday/\" target=\"_blank\">Black Friday</a> and <a href=\"https://www.irishtimes.com/tags/cyber-monday/\" target=\"_blank\">Cyber Monday</a> sales.","type":"text"},{"_id":"L7P5BD6GT5HOLPFTZD53MBNXWQ","additional_properties":{"_id":1732799688796},"content":"The <a href=\"https://www.irishtimes.com/tags/competition-and-consumer-protection-commission/\" target=\"_blank\">Competition and Consumer Protection Commission</a> (CCPC) has launched legal proceedings against a number of retailers nationwide for breaking sales pricing laws, with court appearances likely early in the new year.","type":"text"},{"_id":"W4D5RL4I5BHIHDDIEXHXJLELQA","additional_properties":{"_id":1732799688797},"content":"Other traders have been interviewed under caution with a fresh round of prosecutions set to follow, the CCPC said.","type":"text"},{"_id":"4ASEVSGHIVGM3L6DPLHK2T3YKA","additional_properties":{"_id":1732799688798},"content":"The looming court appearances are connected to pricing breaches identified by the commission in online sweeps conducted over the 2023-2024 winter sales season, including Black Friday.","type":"text"},{"_id":"22DJ6XW7HJCLHNB37M6BGN5CZM","additional_properties":{"_id":1732799688799},"content":"The news comes are Irish consumers are set to spend tens of millions of euro between today and Monday with more than a third of Irish adults likely to go in search of discounts, spending an average of more than €300 each.","type":"text"},{"_id":"PF6NZ7WDIVDPDH6XF2QHBHK2DY","additional_properties":{"_id":1732799688800},"content":"While Black Friday remains popular, interest appears to be waning, with research published from the CCPC last week highlighting a “significantly” diminishing desire to shop in the sales window.","type":"text"},{"_id":"AMTRAIPHCRHQZJCJSBLQ7FOJ3Q","additional_properties":{"_id":1732799688801},"content":"Only 36 per cent of those polled said they were likely to buy anything this year, compared with 45 per cent in 2023, the research found.","type":"text"},{"_id":"LNYRIM2MYRD3LGCFAAJV4ZISH4","additional_properties":{"_id":1732799688802},"content":"It also pointed to very low levels of consumer trust in discounts, with less than a third of consumers believing the discounts displayed by businesses were genuine.","type":"text"},{"_id":"AXA7DIFVXJGKTOLB7VPSWCV3I4","additional_properties":{"_id":1732799688803},"content":"The clear lack of trust comes despite strong legal requirements on businesses when displaying discounts.","type":"text"},{"_id":"E64VRNFDUNBLVBYQU7MU4ZZB4A","additional_properties":{"_id":1732799688804},"content":"Sale prices must be genuine and clearly show the consumer the previous price, while references to “recommended retail price[s]” cannot be used to mislead consumers into thinking that a product has been discounted by more than it has.","type":"text"},{"_id":"7UFQMYK5QJHY7DYO5IEKMTBV3Y","additional_properties":{"_id":1732799688805},"content":"“The CCPC carried out a large number of sales pricing inspections [last year] looking at both online and in-store pricing,” said CCPC chairman Brian McHugh.","type":"text"},{"_id":"JKAADDYTXNFRBOD7W53SLZARNI","additional_properties":{"_id":1732799688806},"content":"He noted that inspectors had found “many excellent examples of accurate sales pricing and sales communications” but said they had also identified retailers “where there was significant and widespread breaches of the law. Those traders are now being prosecuted by the CCPC, with the first wave of cases due before the courts in January.”","type":"text"},{"_id":"5IQGVJLN3BAA5MRVNZJL7UL3OM","additional_properties":{"_id":1732799688807},"content":"Misleading sale discounts harm consumers and harm competition, he said.","type":"text"},{"_id":"OLK3TACWINFVVI6U4T4ZBNK23M","additional_properties":{"_id":1732799688808},"content":"“Businesses need to able to compete for consumers openly and honestly on price,” he continued and called on consumers and business owners to report “any suspected fake discounts or misleading pricing” to the commission.","type":"text"},{"_id":"BRGUY5PUD5EY5KWWUOLVYGVQEA","additional_properties":{"_id":1732799688809},"content":"He said consumer-protection officers would be carrying out inspections across Ireland and online and assessing the discounts on offer to consumers “to ensure they are genuine. The CCPC is committed to ensuring compliance with the pricing regulations and to using its powers in the event of non-compliance.”","type":"text"},{"_id":"YCDY6C2IB5FUNMX3YVDX7FFP3I","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Conor Pope"}},"name":"Conor Pope"}]},"description":{"basic":"Shoppers are being deliberately misled, says consumer watchdog which has launched legal proceedings against a number of outlets"},"display_date":"2024-11-29T00:15:00Z","headlines":{"basic":"Retailers taken to court over ‘fake discounts’ as Black Friday starts Christmas sales season","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"42LSWQTKDDCIOB6TGE7LTA37QY","auth":{"1":"c540ea40135e5770ea4a9055fb52a098ab575c1d265d32bb8ab2203148843797"},"focal_point":{"x":4758,"y":901},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/42LSWQTKDDCIOB6TGE7LTA37QY.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Your Money"},{"name":"Crime & Law"},{"name":"Courts"}]},"type":"story","website_url":"/your-money/2024/11/29/retailers-taken-to-court-over-fake-discounts-as-black-friday-starts-christmas-sales-season/","websites":{"irishtimes":{"website_section":{"_id":"/your-money","additional_properties":{"original":{}},"name":"Your Money"}}}},{"_id":"BR5PDGQI2BA7DLATDXDE5QNT6I","additional_properties":{},"canonical_url":"/your-money/2024/11/28/if-our-finances-go-flat-how-will-ireland-pay-its-bills/","content_elements":[{"_id":"SFXVYNQ3SZE7FBIEFAE5GEXNME","additional_properties":{"_id":1732726932387},"content":"How much financial leeway does Ireland have if the public finances take a turn for the worse, most likely due to a fall-off in corporate tax revenue? Let’s have a look at what resources Ireland has and how they could be deployed.","type":"text"},{"_id":"BAI6UZTL4FGBDMZAANPQ3G2U2M","additional_properties":{"_id":1732726932388},"content":"1.<b> Cash in the bank</b>:","type":"text"},{"_id":"HY5YLVU3RBAOHBPHLLT6KWOBCI","additional_properties":{"_id":1732791118028},"content":"The clearest source of short-term support if tax revenues were to fall off is the cash held by the National Treasury Management Agency (NTMA)<a href=\"https://www.ntma.ie/business-areas/funding-and-debt-management/investor-relations\" target=\"_blank\">. In its latest update to investors</a>, it said its cash balances would amount to €30 billion by the end of the year.","type":"text"},{"_id":"NCDR5X5DAFGXLNRH5KBSSYLLCI","additional_properties":{"_id":1732796993871},"content":"These balances have built up over the last few years as the public finances have been in surplus and cash left over at the end of the year is held by the NTMA. As a result, it has not had to engage in major additional borrowing, raising just €6 billion on the market this year and <a href=\"https://www.irishtimes.com/business/2024/11/28/ntma-to-raise-as-little-as-6bn-next-year-amid-strong-surplus-forecast/\" target=\"_blank\">indicating it may not have to raise much more next year</a>. Given the late surge in tax revenues this year, helped by the first part of the Apple windfall, it is likely the final balances at the end of the year will be well above €30 billion and possibly closer to €35 billion.","type":"text"},{"_id":"XG2SXW6GJNHJFILDVPJT6PIJYM","additional_properties":{"_id":1732728431087},"content":"How important is it? This huge wedge of cash is Ireland’s first defence in case of trouble. It could, for example, be enough to refinance the next two years of maturing loans carried in the national debt. Of course, if exchequer finances went into deficit the amount which would need to be borrowed would increase.","type":"text"},{"_id":"3O2OYDR5EZEERORC43DKPI45EQ","additional_properties":{"_id":1732786167261},"content":"The Department of Finance has forecast budget surpluses over the term of the next government, though the plans put forward by the parties to spend more and tax less would reduce these. What are the risks?","type":"text"},{"_id":"IFTMC2YDFJGBXE4JZG2RLAPKPI","additional_properties":{"_id":1732791118031},"content":"<a href=\"https://www.gov.ie/en/publication/3013b-medium-term-fiscal-and-structural-plan/\" target=\"_blank\">A recent department report </a>modelled two scenarios. In the first – a standstill in corporate tax revenues – budget surpluses under the EU borrowing measure would fall and the cash position of the exchequer would tighten. In the second – a return to pre-pandemic levels of corporate tax (more than a halving of current revenue) – government finances would be in trouble and in significant deficit. The cash pile could protect Ireland through a couple of difficult years, though if there was a structural change, such as the second scenario, in the public finances it would have to be addressed sooner rather than later via higher taxes or lower spending.","type":"text"},{"_id":"MSYA42VOMFD5VGE4JZRG4QLWCE","additional_properties":{"_id":1732784851202},"content":"2. <b>The two funds</b>:","type":"text"},{"_id":"RZBNFP4GNZAWHBWAMSYQKDHS7E","additional_properties":{"_id":1732791118033},"content":"Two funds<a href=\"https://www.irishtimes.com/business/2024/04/08/two-funds-to-ensure-the-continuing-resilience-of-irelands-public-finances/\" target=\"_blank\"> were established by the Government this year </a>to save for the future in various forms. The Future Ireland Fund is a long-term savings vehicle due to help meet the additional costs likely to hit the exchequer from areas like an ageing population after 2040. The Infrastructure, Climate and Nature (ICN) Fund is designed to help to maintain investment in infrastructure from 2026 on should tax revenue take a hit, and also support climate-related investment. Under legislation, 0.8 per cent of GDP – just over €4 billion this year – must be paid each year into the Future Ireland Fund up to 2035 as well as €2 billion a year into the ICN fund.","type":"text"},{"_id":"YVLSJAQZ2VGN3M5YCGJOINZOPE","additional_properties":{"_id":1732786167264},"content":"There is now €10 billion in these funds (€8 billion of which is in the Future Ireland Fund) and this will grow to €16 billion by the end of next year, if the amounts mandated in legislation are again paid in.","type":"text"},{"_id":"CPSF5OIJVNH4PLWMQNW7MBPCDQ","additional_properties":{"_id":1732791118035},"content":"So what leeway does these give Ireland? First, the contribution to the two funds can, under legislation, be halved in the face of an economic downturn or stopped completely if the downturn is severe. This would free up cash to be used elsewhere.","type":"text"},{"_id":"QCKEAOYDUFDI7DILDVX5TZK7XM","additional_properties":{"_id":1732787824026},"content":"But could the next government actually get hold of the cash in the funds? Under the legislation, the money in the Future Ireland Fund could not be touched until 2041. However the cash in the ICN could be accessed. This is due to reach €4 billion by the end of next year and potentially in any year from 2026 to 2030, up to 47.5 per cent of the assets of the fund can be drawn down. Clearly there would be more to draw down later in the period as the fund builds up.","type":"text"},{"_id":"3ETUDQZAXJG2TMZDDFSRGMIPQM","additional_properties":{"_id":1732787824027},"content":"And, of course, it would be open to any new government to repeal the legislation and raid the funds, as happened during the financial crisis in relation to the National Pension Reserve Fund. The investments could then be sold and the money released to the exchequer.","type":"text"},{"_id":"E3PV5GLEJZCYBIYKXQ34ZZZIIA","additional_properties":{"_id":1732787824028},"content":"3. <b>Other money</b>:","type":"text"},{"_id":"4GG3R5X3BRFUPCY4ZUAOYEVARE","additional_properties":{"_id":1732787824029},"content":"<a href=\"https://isif.ie/publications\" target=\"_blank\">The Irish Strategic Investment Fund (ISIF)</a>, part of the NTMA, holds €4.8 billion in a global investment portfolio which would largely be liquid, though a portion is already committed to State housing agencies. The State, through ISIF, also retains 22 per cent of the share in AIB, worth around €2.65 billion at the current price, which is being gradually sold down.","type":"text"},{"_id":"ABB42IHVSNDB3DPVQIU5COU7WI","additional_properties":{"_id":1732791118040},"content":"4. <b>The bottom line:</b>","type":"text"},{"_id":"KM4QVKY5LJBXNMWRKDRXSGZGDA","additional_properties":{"_id":1732791118041},"content":"The current financial position of the Irish State is strong. The key point is simply that revenues are now in excess of spending. The State is not like a household – it can engage in ongoing borrowing once investors are confident they will be repaid. That said, the concern in relation to the concentration of Irish tax revenues and the uncertainties caused by the forthcoming Donald Trump presidency carry the risk of longer-term structural upset to revenues.","type":"text"},{"_id":"QB63E2F73ZAXNPNKRJ5WE24X4M","additional_properties":{"_id":1732796993885},"content":"And remember that forecasters such as the Fiscal Council have indicated exchequer finances will come under pressure anyway due to the ageing population and the cost of climate change. At the moment, the dynamics of the Irish public finances are favourable – the debt burden is reducing and the State has spare financial capacity. This is the vital issue which investors watch.","type":"text"},{"_id":"OYWO47LNP5EA5M2RPOMJC4CDFE","additional_properties":{"_id":1732791118042},"content":"The huge cash pile, together with these other funds and investments, gives Ireland potentially valuable room for manoeuvre if there is a hit to tax revenue. The NTMA has also pushed out the maturity date of Irish debt so the burden in the next few years is relatively low in terms of debt having to be refinanced. None of these are long-term solutions if tax revenue numbers are no longer keeping pace with spending growth, but they are valuable and substantial buffers, adding up to close to €50 billion.","type":"text"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cliff Taylor"}},"name":"Cliff Taylor"}]},"description":{"basic":"Ireland’s tax take has been soaring, but if revenues from big multinationals fall off it is important to know what leeway is there to help take the hit"},"display_date":"2024-11-28T11:55:53.22Z","headlines":{"basic":"If our finances go flat, how will Ireland pay its bills? ","native":""},"label":{"audio_project_id":{"text":"5469"},"basic":{"display":true,"text":"Smart Money"}},"promo_items":{"basic":{"_id":"H6GXNQDHANHMJGL52OGFF2XX7U","auth":{"1":"a2a067431aa44dec15499ce99416e3b03d08fab8bf714030011be3b6e8c8c2f9"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/H6GXNQDHANHMJGL52OGFF2XX7U.jpg"}},"subtype":"analysis","taxonomy":{"sections":[{"name":"Your Money"},{"name":"Business"}]},"type":"story","website_url":"/your-money/2024/11/28/if-our-finances-go-flat-how-will-ireland-pay-its-bills/","websites":{"irishtimes":{"website_section":{"_id":"/your-money","additional_properties":{"original":{}},"name":"Your Money"}}}}],"count":10000,"_id":"b8c0e80af5832f67daef42c96f06d25aa93963830a67be5b3fdc10923c4de821"},"expires":1732936875736,"lastModified":1732936575606},"{\"feedOffset\":0,\"feedSize\":50,\"includeSections\":\"/business\"}":{"data":{"content_elements":[{"_id":"7VQXYEE4VFFLRICV2KB3TZXGJI","additional_properties":{},"canonical_url":"/business/2024/11/29/italy-denies-report-on-decree-to-counter-unicredits-takeover-bid-for-bpm/","content_elements":[{"_id":"YFXKTOD2GNEF3I53XCZTYBGM5I","additional_properties":{"_id":1732911258848},"content":"The Italian Treasury on Friday denied drafting an emergency decree to counter UniCredit’s takeover bid for smaller rival Banco BPM after the Financial Times reported Rome was considering this option.","type":"text"},{"_id":"IFCDJICLPRDT3AXDPWIQT5MD5M","additional_properties":{"_id":1732911258850},"content":"On Monday, UniCredit announced an unsolicited €10 billion takeover offer for BPM, which the target bank has since rejected. It said the premium offered was unusual and that the bid created problems for its acquisition of fund manager Anima Holding.","type":"text"},{"_id":"M37IPLBOOJETPICAD2S65OXNQM","additional_properties":{"_id":1732911258851},"content":"UniCredit's bid for BPM also throws a spanner in the works for Italy's government, which had taken steps to merge BPM with rival Monte dei Paschi di Siena to strengthen its banking sector without harming competition.","type":"text"},{"_id":"Q2R2DIDF3RHQ5E2MIOJVFCWMRI","additional_properties":{"_id":1732911258852},"content":"According to the FT, among the options Prime Minister Giorgia Meloni's government is considering, is an emergency decree which would allow Banco BPM to avoid the so-called passivity rule, which stops managers of a takeover target from taking any steps to stave off the bid without shareholders' approval. In BPM's case, the rule prevents it from raising the price of its bid for Anima and increasing its stake in Monte dei Paschi.","type":"text"},{"_id":"YZT2QZKVHVB7ZM2TD67Q2D2WQM","additional_properties":{"_id":1732911258853},"content":"“The report of a decree published by the FT is totally groundless,” the Treasury statement said.","type":"text"},{"_id":"YBFYJB3TDNDA5E366TYV224EPY","additional_properties":{"_id":1732911258854},"content":"Italy’s Economy Minister on Tuesday said that Italy reserved the right to use its golden power legislation aimed at shielding strategic assets in the context of UniCredit’s move, “communicated but not agreed with the government”. – Reuters ","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[]},"description":{"basic":"UniCredit announced an unsolicited €10bn takeover offer on Monday"},"display_date":"2024-11-29T20:22:35.54Z","headlines":{"basic":"Italy denies report on decree to counter UniCredit’s takeover bid for BPM","native":""},"label":{},"promo_items":{"basic":{"_id":"WF4XMAOUGEKEF24MJFQBDZ6RUI","auth":{"1":"ebcb5a76e887cd3483abdfb47b7e5659de2dfdc5cdf3aecad38dbb4b7312bc56"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/WF4XMAOUGEKEF24MJFQBDZ6RUI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Financial Services"}]},"type":"story","website_url":"/business/2024/11/29/italy-denies-report-on-decree-to-counter-unicredits-takeover-bid-for-bpm/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"SF2NPEJ5XZBWPISUOYZ624GA3U","additional_properties":{},"canonical_url":"/business/2024/11/29/strong-tech-stocks-boost-european-shares-at-close/","content_elements":[{"_id":"JNFIXMQMCJFYDKVY4UZEJFZXE4","additional_properties":{"_id":1732903814984},"content":"European shares ended the week on a high with markets boosted by a rally in tech stocks. Investors, meanwhile, were analysing the euro zone inflation report to assess the likelihood of a larger interest rate cut in December.","type":"text"},{"_id":"S2KEZPO4G5HSVLVRPUQNFWES2A","additional_properties":{"_id":1732905163730},"content":"<b>Dublin</b>","type":"header"},{"_id":"AYLUOOZ2AREZTBMFCJNTAHLZWU","additional_properties":{"_id":1732905163731},"content":"The Irish index of shares rose 1 per cent, finishing the week in positive territory as gains in financial, food and leisure shares helped buoy the market.","type":"text"},{"_id":"PCO6IVH3ZFGSZNQH4T5OYGRHIQ","additional_properties":{"_id":1732905163732},"content":"Bank of Ireland stock held up over the session, closing almost flat at €8.29, while AIB gained almost 1 per cent to end the week at €5.15. PTSB stock added 2 per cent to close at €1.49, while insurer FBD was up 2 per cent to €12.50.","type":"text"},{"_id":"NJPAYSM3AVGV3P7NZ3E3NZP4JQ","additional_properties":{"_id":1732905163733},"content":"Airline Ryanair gained 2.3 per cent over the day, finishing the session at €18.62, while ferries company Irish Continental Group saw its share price lose 1 per cent.","type":"text"},{"_id":"ZXEZU2ROYBENHBBWX5MZZNPOJY","additional_properties":{"_id":1732905163734},"content":"Glanbia and Kerry Group both gained ground on Friday. The latter added more than 2 per cent to its share price, while Glanbia’s gains were more muted at 0.14 per cent.","type":"text"},{"_id":"XAZESFC2L5AP5MQCCPZYG4AASI","additional_properties":{"_id":1732905163735},"content":"Insulation specialist Kingspan shed 0.5 per cent, closing the week at €71.20.","type":"text"},{"_id":"ZMEPEP72RRDK5EON2RW72ILXAU","additional_properties":{"_id":1732905163736},"content":"<b>London</b>","type":"header"},{"_id":"DLTCU4WV7NDUPG4JXPFCMBHSB4","additional_properties":{"_id":1732905163737},"content":"The UK’s benchmark FTSE 100 ended flat on Friday amid low trading volumes, as gains in mining shares countered weakness in defence stocks, while the stock index logged its first monthly gain in three.","type":"text"},{"_id":"UB6N7MY4E5AJXGBSRKUR67YSDA","additional_properties":{"_id":1732905163738},"content":"The FTSE 100 was largely unchanged at 8,287.3 points, while the domestically focused midcap FTSE 250 also held its ground at 20,771.57. Trading volumes were lighter than usual with the US equity market open for half a day following Thursday’s Thanksgiving holiday.","type":"text"},{"_id":"KXOVICS2NZHNTNIU625Q6RNGII","additional_properties":{"_id":1732905163739},"content":"The aerospace and defence sector fell 0.9 per cent, as shares of BAE Systems and Qinetiq dropped 4.9 per cent and 3.5 per cent respectively after BofA Global Research downgraded the defence stocks.","type":"text"},{"_id":"VI7OSB5RFJDPPO74XRQFA5MSRU","additional_properties":{"_id":1732905163740},"content":"Among others, London-listed Georgian banks TBC Bank and Bank of Georgia dropped 5.9 per cent and 6.2 per cent, respectively, as the Georgian government is set to suspend talks on EU accession and refuse budgetary grants until 2028.","type":"text"},{"_id":"ZHZYGWD2I5HVXAYSBPDDSVF4BE","additional_properties":{"_id":1732905163741},"content":"Spire Healthcare climbed 2.7 per cent following a media report that India’s Narayana Health is in advanced talks to acquire a controlling stake in the company.","type":"text"},{"_id":"Y2OC2C63YNAHXBHVSTIVZA7CY4","additional_properties":{"_id":1732905163742},"content":"<b>Europe</b>","type":"header"},{"_id":"ER2YOYIAAZB5FD2K43Z6UE5Y4A","additional_properties":{"_id":1732905163743},"content":"Europe’s STOXX 600 ended the week on a high note, bolstered by a rally in tech stocks. The pan-European main stock index reversed earlier losses and was up 0.6 per cent at 510.25 points on Friday, logging its first monthly gain since August. It rose 1 per cent in November. On a weekly basis it logged a modest 0.2 per cent decline.","type":"text"},{"_id":"EL3J3OAU6RG2NPHDOKM3EXA6O4","additional_properties":{"_id":1732905163744},"content":"Technology stocks were the biggest boost to the index, gaining 1.6 per cent.","type":"text"},{"_id":"ZJLFMGBSLVCB7JSGYCPMBJGIHU","additional_properties":{"_id":1732905163745},"content":"The basic resources subindex gained 1.6 per cent, driven by a 5.4 per cent rise in miner Anglo American following a Jefferies’ rating upgrade to “buy” from “hold”.","type":"text"},{"_id":"RRUDMJPGLZEAXES5OAH7ODDQBE","additional_properties":{"_id":1732905163746},"content":"BAE Systems lost nearly 5 per cent after BofA Global downgraded the defence firm to “underperform” from “neutral”.","type":"text"},{"_id":"FZNXKJAHSVA55EF5M6DXAIUOHE","additional_properties":{"_id":1732905163747},"content":"<b>New York</b>","type":"header"},{"_id":"QZAR37NN3RAWXIRO7IM5TRVR6I","additional_properties":{"_id":1732903814985},"content":"The S&P 500 and Dow Jones Industrial Average notched record closing highs in a shortened Black Friday session, lifted by select technology stocks, while retail was in focus as the holiday shopping season kicked off.","type":"text"},{"_id":"WAANOENS5NATDLFVNHHHHFESOI","additional_properties":{"_id":1732903814986},"content":"Information technology stocks including Nvidia helped boost the benchmark S&P 500 while the industrial and financial sectors lifted the blue-chip Dow.","type":"text"},{"_id":"5YXB6LSYQZCHZCFQNSXXHBRQZU","additional_properties":{"_id":1732903814987},"content":"Investors monitored shoppers’ response to deep Black Friday discounts. Adobe Analytics estimated consumers would spend a record $10.8 billion in online purchases, up 9.9 per cent on Black Friday last year. Shares of Target, Hasbro and Macy’s rose.","type":"text"},{"_id":"QU37DZZALRB73MHZDMHZZLEOJE","additional_properties":{"_id":1732905163752},"content":"The S&P 500 rose 0.56 per cent to 6,032.44 points. The Nasdaq gained 0.83 per cent to 19,218.17 points, while the Dow Jones Industrial Average was up 0.42 per cent at 44,910.65 points.","type":"text"},{"_id":"HFZ6HLBJXNE4BHOULFIKY3JHCA","additional_properties":{"_id":1732905163753},"content":"Chip stocks rebounded from Wednesday’s declines, sending the Philadelphia SE Semiconductor index higher. – Additional reporting: Reuters","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"S&P 500 and Dow Jones Industrial Average notched record highs in shortened Black Friday sessions"},"display_date":"2024-11-29T18:48:51.034Z","headlines":{"basic":"Strong tech stocks boost European shares at close ","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"EUCSUMEQZN5PG3G5BI7ZBCWICU","auth":{"1":"1d8da6406b52f896d08d3a805988b964eda8de4c26879fdf26bc49143b23a581"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/EUCSUMEQZN5PG3G5BI7ZBCWICU.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/29/strong-tech-stocks-boost-european-shares-at-close/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"2MYIFSL5FNG2PJYH7DO4HIKMXM","additional_properties":{},"canonical_url":"/business/2024/11/29/tonight-show-presenters-ciara-doherty-and-claire-brock-leave-virgin-media-television/","content_elements":[{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{"_id":1732903746079},"content":"Ciara Doherty and Claire Brock, the two presenters of Virgin Media Television’s The Tonight Show, are to leave the broadcaster after this weekend, they have told their followers on Instagram.","type":"text"},{"_id":"BA3JA4R2LZGPJD57MVZRXXDIVU","additional_properties":{"_id":1732903746080},"content":"The exits of the long-serving presenters follow Virgin Media’s move last month to cut the current affairs programme from four nights a week to two, which it linked to “challenging market conditions” and the outgoing Government’s decision not to provide funding for its public service content.","type":"text"},{"_id":"I6NGANC6PZHORJNDJCOPT2UY4I","additional_properties":{"_id":1732903746081},"content":"“After 14 brilliant years at Virgin Media Television, I’ve decided to move on from late nights and early mornings to begin a new adventure,” Ms Doherty posted.","type":"text"},{"_id":"ZJ2MKFBW3RBQ7HA3OYLGJRV4PY","additional_properties":{"_id":1732903746082},"content":"“Thank you to my incredible colleagues and friends, to all of our guests and especially to the viewers who joined me along the way,” she wrote, adding that she would be on air from 10.35pm on Friday night for Virgin Media’s election special.","type":"text"},{"_id":"5V2GHPIOJJA3VJ6DKKT7YMKMQM","additional_properties":{"_id":1732903746083},"content":"“This weekend I will present my last Tonight Show, as I’ve made the decision to move on from the role, and from Virgin Media Television,” Ms Brock posted.","type":"text"},{"_id":"MVIW4Y2WMRDTBJ3Q4RWJC6Q7FY","additional_properties":{"_id":1732903746084},"content":"“It’s been a privilege to work alongside brilliant colleagues and friends over many years in Ballymount,” she said.","type":"text"},{"_id":"622HITRGFRCBDONJGCXHBLIT44","additional_properties":{"_id":1732903746085},"content":"“Now is the time for fresh opportunities, fewer late nights... and I’m genuinely looking forward to what’s ahead. Before that, an election!”","type":"text"},{"_id":"ETDQRRDRQZAQNL2TZWT22QFNLI","additional_properties":{"_id":1732903746086},"content":"Virgin Media Television confirmed the departures, thanked both presenters for their contributions to its output and wished them both the very best.","type":"text"},{"_id":"IOCVZC6ORBBGBPNP6RLXINW6UY","additional_properties":{"_id":1732903746087},"content":"Ms Doherty, who is from Co Donegal, is well-known to breakfast television viewers, having presented Ireland AM for five years before moving to The Tonight Show in September 2020.","type":"text"},{"_id":"KLA7SGDC5VASHJ6BMVCJ2LLD4Y","additional_properties":{"_id":1732903746088},"content":"Ms Brock, from Dublin, originally worked for Virgin, then known as TV3, in the 2000s. She returned a decade ago after stints at other broadcasters, including UTV Ireland, and anchored news bulletins before moving to The Tonight Show in 2021. She described Ms Doherty as her “great pal”.","type":"text"},{"_id":"OY64EDTW2JA75JPJNMLZ432JW4","additional_properties":{"_id":1732903746089},"content":"The two journalists had been alternating the presenter role on the programme, but their work was cut last month after Virgin Media halved the number of shows.","type":"text"},{"_id":"DY5VPQO6GNEC3P6EWRR7Z5AGOU","additional_properties":{"_id":1732903746090},"content":"Virgin Media Television managing director Áine Ní Chaoindealbháin said at the time that it had been forced to make “the difficult decision” to reduce its public service output as a result of both market conditions and its request for financial support from the Government not being met.","type":"text"},{"_id":"KAQKPS62RNHSXB3AEHTVQTAHFQ","additional_properties":{"_id":1732903746091},"content":"In July, Ms Ní Chaoindealbháin said the Government’s move to guarantee funding of €725 million for RTÉ over a three-year period “further distorts the market” and left Virgin with “no alternative but to review all options”.","type":"text"},{"_id":"Z44DPMU6ZNESNJR5VYLAK5AQUU","additional_properties":{"_id":1732903746092},"content":"It is understood that The Tonight Show will continue to air on Tuesdays and Wednesdays with other presenters.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Laura Slattery"}},"name":"Laura Slattery"}]},"description":{"basic":"Two long-serving journalists will depart the broadcaster after election coverage as number of shows is cut in half"},"display_date":"2024-11-29T18:16:44.921Z","headlines":{"basic":"Tonight Show presenters Ciara Doherty and Claire Brock leave Virgin Media Television","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"M2T33PEFNVDTJIYPGZFFS5BVQM","auth":{"1":"5af373ff2960e7e42cbf1725bcd80cdfe0b2ef4a0791deec917c97428756d937"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/M2T33PEFNVDTJIYPGZFFS5BVQM.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Media"}]},"type":"story","website_url":"/business/2024/11/29/tonight-show-presenters-ciara-doherty-and-claire-brock-leave-virgin-media-television/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"ACKCBND74NATHLG4OLXDH5PMUI","additional_properties":{},"canonical_url":"/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/","content_elements":[{"_id":"VD6F3NOEMJFUFKEYNUKQ6XA2MU","additional_properties":{"_id":1732898333966},"content":"Revenue fell at one of Dell’s main subsidiaries last year with the company hit by ongoing uncertainty in the wider economy.","type":"text"},{"_id":"4ZHBVRFWVNGPFKO5F4FTYKUVN4","additional_properties":{"_id":1732898333967},"content":"Dell Products, which sells and distributes the group’s products in Europe, the Middle East and Asia (EMEA), said its revenue slid 14 per cent as ongoing economic difficulties hit demand. Total revenue for the period was $14.5 billion (€13.75 billion), down from more than $16 billion (€15 billion) in 2023.","type":"text"},{"_id":"TVQDDP5RGFBJXMSHDHVNZYZZYA","additional_properties":{"_id":1732901652310},"content":"Hardware sales remained the largest proportion of revenue. Dell said that fell to $13.5 billion for the year down from just under $16 billion a year earlier. Software sales totalled $401 million in the same period, while support service revenue was $573.5 million.","type":"text"},{"_id":"FVGLAKMCPFFJVFFXRLWGBMR76E","additional_properties":{"_id":1732901652311},"content":"The bulk of revenue – $13.9 billion – came from its European customers, the accounts noted.","type":"text"},{"_id":"QX3EUWHCGVAT3LMJOEKJOYVNHY","additional_properties":{"_id":1732898333968},"content":"Operating profit was $82.6 million for the year to February 2nd, 2024, down from $90.8 million in 2023. A fall in input costs helped raise gross margins slightly, while profit on ordinary activities before interest and taxation fell $8 million year-on-year.","type":"text"},{"_id":"R4OER4RZKVFMZDPVV7OMNG4RAE","additional_properties":{"_id":1732898333969},"content":"Pretax profit slumped as the company wrote down the value of its investments by $115 million. That brought pretax profit to $18.7 million, down from $130.3 million the previous year.","type":"text"},{"_id":"TF73KUCNUJC6DK6J4ZEMDPKX6I","additional_properties":{"_id":1732898333970},"content":"In note on the accounts, Dell said it had received a capital contribution from fellow group member Dell International Holding in October 2018. That $557.7 million contribution was a transfer of shares in a subsidiary company, Dell GmbH. An assessment by directors of their value determined the carrying value was in excess of the recoverable value, leading to the write-down.","type":"text"},{"_id":"YUKFSUQ5LNG7LLKQCU7ERRZ6NQ","additional_properties":{"_id":1732898333971},"content":"A dividend of $47 million was paid to Dell Products by Dell GmbH, in line with the prior year. Dell Products also paid out a dividend of $47 million to Dell Global, which owns 99 per cent of the company, and Dell International Holding, which owns the remaining 1 per cent. That was a fraction of the $160 million recorded a year earlier.","type":"text"},{"_id":"4IMAPSQ24ZAFXFK6CBIAG4SKRY","additional_properties":{"_id":1732898333972},"content":"Dell Products also received a capital contribution from its parent company of $589.8<b> </b>million, in line with the previous year.","type":"text"},{"_id":"7522PJZ4HJFFBJIDIJSUAXD24E","additional_properties":{"_id":1732898333973},"content":"The company paid $11.6 million in tax, including $9.6 million in Irish corporation tax, and the remainder in foreign and other tax charges.","type":"text"},{"_id":"KBMLTW3ZE5H7JONYSIS45EPY4I","additional_properties":{"_id":1732898333974},"content":"Dell Products employs close to more than 2,100 people, down from almost 2,200 in 2023. That was split between sales and distribution, which employed 1,220 people, and administration, which had 900 staff. The wage bill for the year was $240.4 million, up from $209.4 million, despite staff numbers dropping.","type":"text"},{"_id":"JZ3B3TDCKJENNE6FG5C5KZSL6A","additional_properties":{"_id":1732901652319},"content":"Including pensions and other remuneration, the total bill was €286.9 million for the year.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"Company’s $11.6m tax bill included $9.6m in Irish corporation tax"},"display_date":"2024-11-29T17:50:05.579Z","headlines":{"basic":"Dell Products hit by demand slump, reports revenue drop","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"EXVZQUS3QNBP7DFBTPOKRCJSHI","auth":{"1":"bd9071f69b429abb086e8e970e295aba8935ddc029ac953b9263d48981dd9fe2"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/EXVZQUS3QNBP7DFBTPOKRCJSHI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Technology"},{"name":"Big Tech"}]},"type":"story","website_url":"/business/2024/11/29/dell-products-hit-by-demand-slump-reports-revenue-drop/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"U2LFBZIPHBDCVLST6O73BZYCAY","additional_properties":{},"canonical_url":"/business/2024/11/29/grand-slam-bars-group-profitable-despite-dublin-riots-dent-in-trade/","content_elements":[{"_id":"4M43XA5TEZFCBESCA3G4LX4DZU","additional_properties":{"_id":1732900236637},"content":"Three pubs part-owned by former Ireland rugby stars Jamie Heaslip, Sean O’Brien and Dave and Rob Kearney this year enjoyed combined post-tax profits of €592,369 despite the Dublin riots “wiping off two weeks of trade”.","type":"text"},{"_id":"TNIWOIDK5RHQJKJMDHZ2VHGAQ4","additional_properties":{"_id":1732900236638},"content":"The foursome have minority shareholdings in three Dublin pubs – Lemon & Duke, Bridge 1859 and The Blackrock – in a venture with publican Noel Anderson who holds a controlling interest in the group.","type":"text"},{"_id":"R2EWLZDGPZBEPC7OGEN7YP733Q","additional_properties":{"_id":1732900236639},"content":"Mr Anderson and his colleagues expanded the Grand Slam Bars group this year with the reported €5.5 million purchase of McSorley’s in Ranelagh.","type":"text"},{"_id":"XVOPOSL6CNFOVFWYRWLLFUPRM4","additional_properties":{"_id":1732900236640},"content":"Consolidated accounts for the group, Pinewood Bars and subsidiaries, show revenues increased by 23 per cent from €7.64 million to €9.39 million in the 12 months to the end of February this year.","type":"text"},{"_id":"4JMP5MGMUVBSJJV4L3R7SH53WM","additional_properties":{"_id":1732900236641},"content":"Bridge 1859 in Ballsbridge, Dublin 4 recorded post-tax profits of €178,208 while the Lemon & Duke recorded post-tax profits of €213,348. The company that operates The Blackrock, Carysfort Inns Ltd, enjoyed profits of €200,813.","type":"text"},{"_id":"YENNNTYQ3VGH3AGLVNRBX6CBYQ","additional_properties":{"_id":1732900236643},"content":"“Honestly we’ve never had to work as hard to make money in our entire lives,” Mr Anderson said.","type":"text"},{"_id":"EEII422AE5EFBJ3N246JN37APA","additional_properties":{"_id":1732900236644},"content":"He described the pubs’ financial performance in the 12 months to the end of February this year as “all in all, not too bad”. ","type":"text"},{"_id":"GRDEM3IOTRB7ZF6RJUZK7AFENY","additional_properties":{},"content":"“Obviously, the Dublin riots didn’t help. The riots wiped off two weeks of trade at a very busy time of the year.”","type":"text"},{"_id":"KUYMTM5UUBC3DNCQULXXKPK2CU","additional_properties":{"_id":1732900236646},"content":"The former Irish international rugby players serve as directors on the subsidiary firms and directors this year shared “ambassador fees” of €40,000.","type":"text"},{"_id":"W5HWKOUQ3ZAQJEJXUSQR2IOJWI","additional_properties":{"_id":1732900236647},"content":"A breakdown of the Pinewood Bar revenues show the group recorded drink sales of €5.74 million, food sales of €3.59 million and tea and coffee sales of €44,031.","type":"text"},{"_id":"KAXGIYWN6NHWRKNCJFL742W7DQ","additional_properties":{"_id":1732900236648},"content":"Numbers employed at the group are now “just shy of 200″ according to Mr Anderson. Staff costs last year increased from €3.04 million to €3.77 million.","type":"text"},{"_id":"L2W44HIMHNG65CQLA3YM7LZ3PE","additional_properties":{"_id":1732900236649},"content":"Mr Anderson said his ex-rugby international colleagues take “an active interest” in the business.","type":"text"},{"_id":"HGNU767G4FFF7HVUYUHRUPSNGY","additional_properties":{},"content":"“I am not long off the phone with Rob [Kearney] and we are very excited by McSorley’s in Ranelagh. We have ambitious plans for it next year – watch this space. 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Among them is a forgery charge. He is alleged to have electronically amended a High Court order on dates between December 1st and December 14th, 2022, with the intention that it be used to “induce another person to accept it as genuine” to the prejudice of that person or any other person.","type":"text"},{"_id":"XCC22DHOKBEMDH76TX663D4ZAI","additional_properties":{"_id":1732885776010},"content":"He is also accused of electronically altering a High Court order in a way that had a tendency to “pervert the course of public justice” by adding information that was not granted by the court.","type":"text"},{"_id":"CZLCSO7RDZCGRLHAC5QQPB6II4","additional_properties":{"_id":1732885776011},"content":"The other 82 charges relate to alleged breaches of tax law and VAT.","type":"text"},{"_id":"7HOEHP3XHNBZBDVFIU4Q2JSRQQ","additional_properties":{"_id":1732885776012},"content":"Gardaí served Mr Power with two books of evidence at Dublin District Court on Thursday, and Judge William Aylmer granted return for trial orders.","type":"text"},{"_id":"SPKLX3JP2FFUXDADPOUL23P5GQ","additional_properties":{"_id":1732885776013},"content":"He told the businessman, representing himself, that he was being returned for trial to the Dublin Circuit Criminal Court, where his case will be listed on February 6th.","type":"text"},{"_id":"MFDER54ZGZFH3CAU4I53AAI72A","additional_properties":{"_id":1732885776014},"content":"Mr Power, who remains on bail, told Judge Aylmer the extra charges had been brought with “malicious intent”; he referred to legal proceedings in the United States, adding, “and I would like that recorded”.","type":"text"},{"_id":"BI333K7SIJHUDKTFX47ZQ2ZTYQ","additional_properties":{"_id":1732885776015},"content":"Judge Aylmer gave Mr Power the standard warning that he must notify the prosecution if he intends to rely on an alibi in his trial. The court also ordered gardaí to hand over copies of interview videos to the defendant.","type":"text"},{"_id":"LXLAPMFLEZF63KINI2TS7HBF5Y","additional_properties":{"_id":1732885776016},"content":"Mr Power is a founder of spirits company Incubrands, which Bacardi acquired. He later co-created Nohovation, a start-up venture fund, and investment firm Illann Power Companies.","type":"text"},{"_id":"UIINET7VPJAMRLLV2XM6SIVVOM","additional_properties":{"_id":1732885776017},"content":"Initially, he had been granted bail with strict conditions, including signing on daily at a Garda station and surrendering his travel documents.","type":"text"},{"_id":"IW4RD2BSTBFXJMU3ACJPMXMGOU","additional_properties":{"_id":1732885776018},"content":"However, those conditions were later relaxed to allow Mr Power to work in the United States. 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Its solicitor submitted that there were “unusual occurrences” with Mr Naughton’s van starting in 2022.","type":"text"},{"_id":"RZR2K3TUHNAUPADNRPQ3MNPYGM","additional_properties":{"_id":1732884708848},"content":"Mr Naughton’s employer found the tracking device “disconnected and sitting loose” on one occasion, the tribunal was told. When the firm was looking into one customer complaint, the tracker supplier reported back that the complainant’s device was not powered up properly and “regularly offline”, the tribunal was told.","type":"text"},{"_id":"IFHZJNZNBNFULFZUIZ7YK5RPTE","additional_properties":{"_id":1732884708849},"content":"After that, the employer “decided to covertly hardwire a device in the complainant’s van in addition to the dashboard tracker”, the firm’s solicitor submitted. Between the installation of the device on an unspecified date and the beginning of November 2023, “considerable unrecorded and unexplained mileage” had built up, with “in excess of 1,000 miles” in the difference between the two tracking devices.","type":"text"},{"_id":"YCDOMCQCXNBGDN2BGSUONUVKU4","additional_properties":{"_id":1732884708850},"content":"Mr Naughton was called to a disciplinary meeting in December 2023 accused of using the company van for personal travel and of interfering with the dashboard tracking device the firm had fitted. He was sacked on a finding of gross misconduct following a second meeting a few days later, the WRC was told.","type":"text"},{"_id":"C7LSELLLJVFEXE2FRQC5PA5JIM","additional_properties":{"_id":1732884708851},"content":"In the course of the meetings, Mr Naughton denied unplugging the tracker and said the personal use of company vans was “commonplace” in the firm, the tribunal was told.","type":"text"},{"_id":"O6MU2OGM5RESLOI6RVTORL7GWI","additional_properties":{"_id":1732884708852},"content":"The company’s position was that the mileage issue by itself warranted a final written warning, but that unplugging the tracker was a “major breach of trust” and that the only option was immediate dismissal.","type":"text"},{"_id":"UNGLS5EI45GMHBUNWDLKKJIG3Y","additional_properties":{"_id":1732884708853},"content":"Mr Naughton claimed he was sacked to “make room for a more favoured colleague of the owner”, claiming that the company had cash flow problems and there was a need to make “economies”. He called the issue over the company van “a complete fabrication to cover this”.","type":"text"},{"_id":"INLBHMHVH5A2PKPYLBZWG447CA","additional_properties":{"_id":1732884708854},"content":"He said it was “custom and practice” in the firm to make personal use of company vans.","type":"text"},{"_id":"6QW3OJ5OHZGYXBJYPJGLT7KFYI","additional_properties":{"_id":1732884708855},"content":"","type":"text"},{"_id":"2JY4SDO375FXBEUEUSM76DOPGM","additional_properties":{"_id":1732884708856},"content":"He added he had often used his own personal vehicle on company jobs to “facilitate” his employer when a van was unavailable.","type":"text"},{"_id":"YDUVSNUEOFFQLGOQAGELZGOK4Y","additional_properties":{"_id":1732884708857},"content":"He said there were no “proper HR procedures” and no appeal offered to an independent person.","type":"text"},{"_id":"TYB7PTJ6UZHPTG5HROPTGKLTV4","additional_properties":{"_id":1732884708858},"content":"Adjudicator Michael McEntee, in his decision, said there was “no doubt that the [dashboard] tracking device had been regularly disconnected” given the anomaly between that tracker and the secret one placed in the van.","type":"text"},{"_id":"PKXHU7TWQNEPHDTOFE7W6EJHHQ","additional_properties":{"_id":1732884708859},"content":"He said the employer had launched “quite a major investigation, including installing the hidden tracker”, and that the failure to tell the complainant he was under investigation was “troubling”.","type":"text"},{"_id":"AKAC3AAO3ZGPPN5RISOH6DD2CE","additional_properties":{"_id":1732884708860},"content":"","type":"text"},{"_id":"72S4Y7LATFDLPAZERAXO7BY3NY","additional_properties":{"_id":1732884708861},"content":"","type":"text"},{"_id":"O6FLROOKNFABPDFCXDIUNIHHN4","additional_properties":{"_id":1732884708862},"content":"He found that there had been a lack of natural justice in the moves to dismiss Mr Naughton and ruled the dismissal unfair – but said the worker had made a very considerable contribution by interfering with the 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to the State fell 5.1 per cent in October compared to the same month in 2023, with completed trips reaching a total of 548,100, according to new inbound tourism figures from the Central Statistics Office (CSO).","type":"text"},{"_id":"TV5DFFRK5VEGVEODX5YHLRSFKI","additional_properties":{"_id":1732883358337},"content":"However, the visitors spent €534.3 million on their trips, excluding fares, which was 3.6 per cent higher than the sum recorded for October 2023.","type":"text"},{"_id":"H3UHBCBDK5FMVF55V4MTDR3Y7E","additional_properties":{"_id":1732883358338},"content":"The average cost of their trips, excluding fares, in October 2024 rose to €975, up from €893 a year ago.","type":"text"},{"_id":"I5IS64AMNFAUJIEVYD2WKFHT5M","additional_properties":{"_id":1732883358339},"content":"The largest contingent of visitors, or some 32.6 per cent, came from Britain, followed by the US, which accounted for 21.7 per cent of visitors, and then Germany, which accounted for 8.1 per 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with this cited by 44.2 per cent.","type":"text"},{"_id":"NODJ7VLSJFF6VG6DPOCBYDRVQY","additional_properties":{"_id":1732883358343},"content":"Visitors stayed a total of 3.9 million nights in the country, down 2.1 per cent when compared with October 2023. But the average length of stay for foreign resident overnight visitors was 7.1 nights, up from 6.9 nights in October 2023.","type":"text"},{"_id":"XYCSV4HNNVFUJB5V47ZSWX57EU","additional_properties":{"_id":1732883358344},"content":"More of the visitors stayed in hotels (47.4 per cent) than in any other accommodation type<i>.</i>","type":"text"},{"_id":"RX37QERZOJGDZDMIGOUNDX6N4A","additional_properties":{"_id":1732883358345},"content":"The CSO’s inbound tourism data estimates the number of overseas foreign resident visits to Ireland and the value of these visits to Ireland’s tourism industry. ","type":"text"},{"_id":"WTEBJRQ7RVAKDPGPIKHEV7ZJX4","additional_properties":{},"content":"The research is based on the CSO passenger survey carried out at Irish airports and seaports. 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These days (mostly through the FT) I get job protection, a generous chunk of maternity leave at full pay and even a coach to ease my return to work. In general I am in favour of policies to support those of us who nobly breed future taxpayers. But is it possible to go too far?","type":"text"},{"_id":"RYU5JRD5JNES5LLHZHIVABRLNQ","additional_properties":{"_id":1732881104578},"content":"At first, the point of parental leave was to protect the health of mother and baby. Childbirth warrants some recovery time, and though communication isn’t my toddler’s strong suit, I think he appreciated the home rest too. More recently, expanded benefits for parents have been seen as a way to promote gender equality or even boost the birth rate. By pulling men on to more nappy duty, paternity leave could even out the load of child rearing.","type":"text"},{"_id":"2VFCQ6JYJJETNFPGKZVNTKYN5M","additional_properties":{"_id":1732881104579},"content":"Sadly, the unintended consequences are easy to imagine. Extended maternity leave could detach mothers from paid work. Generous benefits could make managers hesitant about hiring potential parents. Exposing more fathers to the realities of full-time childcare could even turn some of them off the pursuit.","type":"text"},{"_id":"44T35WDXJRAUZF7AMLY7AWBOXM","additional_properties":{"_id":1732881104580},"content":"Helpfully, governments have provided economists with plenty of reforms to evaluate. And at least some parental leave has lots of nice effects, from health benefits for mother and child to greater involvement of fathers in family life.","type":"text"},{"_id":"2B4J2B4MPVGIVGW3KIOBR4N4JA","additional_properties":{"_id":1732881104581},"content":"But at least when it comes to maternity leave, the economic benefits do seem to have a limit. One review found that although leave of up to around six months improves mothers’ chances of returning to paid work, more than about a year has the opposite effect. When in the 1980s and 1990s the French and German governments expanded it beyond that point, paid employment and wages for mothers suffered.","type":"text"},{"_id":"4KZFKBSM5FDW7JORY2BXSU2OBU","additional_properties":{"_id":1732881104582},"content":"There is also some awkward evidence of benefits at least partly backfiring. One working paper by Jenna Stearns of the University of California, Davis found that in Britain expanding the period of job protection to a year lowered the chances of being promoted or holding a managerial role. Another found that in Germany more generous maternity benefits meant small companies hired fewer women of childbearing age into roles that were tricky to cover.","type":"text"},{"_id":"YFKWKAUCYZABZITFWAFQ2GFVLE","additional_properties":{"_id":1732881104583},"content":"Paternity leave is no more straightforward. A new working paper finds, for example, that men taking long stints are penalised when applying for jobs in male-dominated sectors. Another study found that in Norway, making paternity leave more generous lowered men’s earnings by 1-3 per cent. They argued that this was because of a “rat race”, whereby one father taking time out opened up space for colleagues to get ahead. (The authors’ fix is for <i>all</i> fathers to use their allotted leave.)","type":"text"},{"_id":"TDQY36KOJ5HQPDBNQEBBHKKXPY","additional_properties":{"_id":"KMP5CQLZQ5GJFF3HK4FAHSOHAA"},"embed":{"config":{},"id":"acast_podcast-36818","url":"/"},"subtype":"acast_podcast","type":"custom_embed"},{"_id":"C6NONAC7A5HWFA6SPXSWHWBAS4","additional_properties":{"_id":1732881104584},"content":"Other alarming studies include one examining a Swedish reform that reserved a month of paid parental leave for fathers, which found that it raised the chances of divorce by around one percentage point. Admittedly, a later reform that increased paternity leave without reducing the amount available to mums had no such effect.","type":"text"},{"_id":"2FXKJYLRC5BIZMCXA4JNRFJBIA","additional_properties":{"_id":1732881104585},"content":"The first finding could be because mothers responded by taking more unpaid leave, increasing financial stress on the relationship. (Other research has also found that paternity leave can lower the chances of parents separating.)","type":"text"},{"_id":"VHQ7FUSHAZHQVBKYNHGV4MWPVA","additional_properties":{"_id":1732881104586},"content":"The effects of expanded paternity leave on fertility are also a little complicated.","type":"text"},{"_id":"TBJKBCMWOBH4ZPUDFLVV6OAPAY","additional_properties":{"_id":1732881104587},"content":"A study of a Spanish reform found that just two weeks of paternity leave increased the time between having children, while in Belgium researchers found a similar effect among younger mothers. The authors of the Spanish study reckon there are two mechanisms at play: men waking up to the realities of caring for a newborn full-time; and women enjoying improved career prospects, pushing back further procreation.","type":"text"},{"_id":"WFZRSD3HBJCOHDU7JPEFTXMCHM","additional_properties":{"_id":1732881104588},"content":"Of course, the presence of unintended consequences does not justify the very stingy national policies that many Americans and Brits have to rely upon.","type":"text"},{"_id":"2LRYZV2DIRGUTHNRMB6CNMADGY","additional_properties":{"_id":1732881104589},"content":"America’s federal floor for parental benefits is embarrassingly absent, while in Britain the minimum is 90 per cent of pay for six weeks, then at most £184 per week for 33 more weeks.","type":"text"},{"_id":"WOHIGJAK6JA7ZGBCBYLRQXP73E","additional_properties":{"_id":1732881104590},"content":"My memories of the period after my son was born are hazy, but I think I spent about that much on nappies and wipes alone. As I am now going on maternity leave for a second time, I am looking forward to the opportunity for a refresher – and grateful that the FT’s policy is more generous. – Copyright The Financial Times Limited 2024","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Soumaya Keynes"}]},"description":{"basic":"The economic benefits of maternity leave do appear to have a limit in terms of mothers returning to work and promotion"},"display_date":"2024-11-29T11:58:03.528Z","headlines":{"basic":"Is there such a thing as too much parental leave?","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"DABXXOICSNDHLIT6EDDEY7UCMA","auth":{"1":"071b9c51a1ddffa50244c7e506474be9756b98ecb4215c56c036aec79b3e0848"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/DABXXOICSNDHLIT6EDDEY7UCMA.jpg"}},"subtype":"columnist","taxonomy":{"sections":[{"name":"Work"},{"name":"Health"},{"name":"Business"}]},"type":"story","website_url":"/business/work/2024/11/29/is-there-such-a-thing-as-too-much-parental-leave/","websites":{"irishtimes":{"website_section":{"_id":"/business/work","additional_properties":{"original":{"Podcast":{"podcast_logo":null}}},"name":"Work"}}}},{"_id":"UCZZKSAV6VDRLJI3VBLUZOEEGA","additional_properties":{},"canonical_url":"/business/economy/2024/11/29/euro-zone-inflation-rose-to-23-in-november/","content_elements":[{"_id":"J4LUO5277NFHPA5PHZGJ63DWIE","additional_properties":{"_id":1732879946756},"content":"","type":"text"},{"_id":"H3NDGFCKIRFLXB3KD7ION6LWJU","additional_properties":{},"content":"Euro zone inflation rose to 2.3 per cent in November, exceeding the European Central Bank’s target for the first time in three months.","type":"text"},{"_id":"WA64MIIXUNEUBBUCHFQSD2U334","additional_properties":{"_id":1732879946757},"content":"The rise in consumer prices was in line with economists’ expectations and surpassed October’s figure of 2 per cent, which matched the European Central Bank’s (ECB) official target.","type":"text"},{"_id":"FO56A3AJCNHRNIJELLAHTDOW2E","additional_properties":{"_id":1732879946758},"content":"Economists say the increase was not principally caused by underlying price pressures and is unlikely to dissuade the ECB from cutting rates again.","type":"text"},{"_id":"UROJBZ6O5JENJO3HPED3VMEAHI","additional_properties":{"_id":1732879946759},"content":"Instead, the rise to 2.3 per cent was largely because of so-called base effects, since energy prices fell a year ago, the point of comparison when calculating annual inflation.","type":"text"},{"_id":"NTWJ5GP2E5HJXG6DQNPIISZGHI","additional_properties":{"_id":1732879946760},"content":"Most analysts and investors believe the ECB will lower borrowing costs by a quarter point to 3 per cent at its next policy meeting on December 12. 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We are working hard to resolve the issue and expect it to be resolved for the majority of customers by midmorning,” the bank had said.","type":"text"},{"_id":"JGYTIWEY7VHAHOQ6PGOLXWJOVQ","additional_properties":{"_id":1732896548033},"content":"“We apologise for any inconvenience caused and will provide further updates via our website, social media and mobile app throughout the day.”","type":"text"},{"_id":"UQEZO4PTFRFZ5LXFMEDDLLBFNI","additional_properties":{"_id":1732896548034},"content":"However, that reassurance was not sufficient to quell much of the customer irritation exercised in online responses.","type":"text"},{"_id":"KE7YBOC2DVHSNCFV255VTSDV7I","additional_properties":{"_id":1732896548035},"content":"“Still can’t get in,” one user posted in response to the bank’s messages, at 3.20pm. “My wages weren’t there first thing this morning when the app was still working. Dreadful service.”","type":"text"},{"_id":"3WYTGWC4MFHSZCZDGBUMSCGF5A","additional_properties":{"_id":1732896548036},"content":"Despite ongoing assurances via social media, many customers remained frustrated at the inconsistent service provision.","type":"text"},{"_id":"MHDXFJTW5JF7XN4BB7LJRWDMWQ","additional_properties":{"_id":1732896548037},"content":"“App is still not working, dreadful customer service be honest … stop saying it’s working,” another said.","type":"text"},{"_id":"WH3KSVEMTFGA7OLCJDK2CRQ6O4","additional_properties":{"_id":1732896548038},"content":"Such service outages are often an issue for customers. Earlier this year <a href=\"https://www.irishtimes.com/tags/bank-of-ireland\" target=\"_blank\">Bank of Ireland</a>, which has had a number of IT problems and glitches in recent years, saw online and mobile banking suffer an hours-long outage due to a technical fault.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Colin Gleeson"}},"name":"Colin Gleeson"}]},"description":{"basic":"The issue is bad timing for the bank with Friday being one of the busiest shopping days"},"display_date":"2024-11-29T10:11:02.411Z","headlines":{"basic":"PTSB apologises as salaries fail to land in accounts on Black Friday","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"F6E433NUPWCCUX45TKPKAE5E3I","auth":{"1":"3952e33ede60e760b083bfbd0d5317e181cb1b20968894b560d9c4975242592b"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/F6E433NUPWCCUX45TKPKAE5E3I.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/29/ptsb-customers-frustrated-as-pay-cheques-fail-to-land/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"VTME5DCWFNBMZCJXOJA5FUC6WU","additional_properties":{},"canonical_url":"/business/financial-services/2024/11/29/aib-agrees-to-4-pay-hike-next-year-as-three-year-deal-comes-to-an-end/","content_elements":[{"_id":"QKLKOBTOWJFM5MTVSRWTVTIJFI","additional_properties":{"_id":1732874141698},"content":"AIB has agreed to a 4 per cent pay hike for workers next year, with all staff receiving a minimum €2,000 salary increase, as a three-year accord during the worst of the inflation crisis comes to an end.","type":"text"},{"_id":"CIEULFVYPZGGNLI7DHHU4N7TGM","additional_properties":{"_id":1732874141699},"content":"The bank said that the accord with the Financial Services Union (FSU) has also seen the union withdraw a claim for restoration of the 35-hour working week, which was increased to 37 hours in the wake of the financial crisis.","type":"text"},{"_id":"DMGCNRR2ANEGDPA3O7RJPKHJ4Q","additional_properties":{"_id":1732874141700},"content":"In exchange for the withdrawal of this claim, staff will receive a one-off tax-free voucher to the value of €1,500 in early 2025 and an extra day of leave to be taken in calendar year 2025.","type":"text"},{"_id":"PQGCSVUEOJDUTCQLUDKLAYKPPA","additional_properties":{"_id":1732874141701},"content":"The agreement, which must still be voted through by AIB staff, will see the minimum salary for the bank’s employees in the Republic rise by €2,000 to €30,000.","type":"text"},{"_id":"6O4OKITSTVDGJNR3BKSPNJCF3U","additional_properties":{"_id":1732875730036},"content":"Billy Barrett, senior industrial relations officer with the FSU, said its members in the bank will vote on the agreement over a two-week period closing on December 16th.","type":"text"},{"_id":"C7GJSYNR4VCHFAPRUYABWVAEZA","additional_properties":{"_id":1732875730037},"content":"“The FSU is recommending the agreement as it meets the criteria we set at the start of negotiations for an inflation-busting pay award and a pay award that helps our members with cost-of-living pressures,” he said.","type":"text"},{"_id":"OGHL4OQIRZF3VEUP5AZHX6MPTY","additional_properties":{"_id":1732874141702},"content":"The bank’s existing three-year pay deal, under which staff received a 10 per cent increase in total, is due to come to an end in March. It was the longest-lasting such agreement struck between an Irish retail bank and trade union officials.","type":"text"},{"_id":"NTT4I44P7JGVVAWA2ACWIHKQYU","additional_properties":{"_id":1732874141703},"content":"“We’re pleased to propose a pay agreement which concentrates on the lowest paid in the bank, resolves the last of the legacy productivity issues and further enhances our suite of employee supports to enable AIB and our people to build a more sustainable future for our 3.3 million customers,” said AIB’s chief people officer, David McCormack.","type":"text"},{"_id":"UG7BPNWBDRDFJHE67ZTEOYN3A4","additional_properties":{"_id":1732874141704},"content":"The deal puts the focus on FSU negotiations with Bank of Ireland and PTSB, which each have one-year agreements in place, having last year given pay increases of 4 per cent and 4.7 per cent respectively.","type":"text"},{"_id":"6O4OKITSTVDGJNR3BKSPNJCF3U","additional_properties":{"_id":1732875730041},"content":"Shares in AIB have jumped 31 per cent so far this year, even though analysts have begun in recent times to lower their 2025 interest income – and earnings – forecasts for the sector as the European Central Bank (ECB) starts cutting official rates at a faster-than-expected pace. The ECB is widely expected to reduce rates next month for a fourth time since early June.","type":"text"},{"_id":"KBXF4NKP3FEIDAZM6NVECVZ5KI","additional_properties":{"_id":1732874141706},"content":"AIB posted net profits of €1.11 billion for the six months to the end of June, up from €854 million the same time last year, as it continued to benefit from a series of official interest rate hikes between July 2022 and September 2023.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Joe Brennan"}},"name":"Joe Brennan"}]},"description":{"basic":"Agreement with Financial Services Union will see increase of €2,000 for lowest paid staff, bringing minimum salary to €30,000"},"display_date":"2024-11-29T10:04:01.281Z","headlines":{"basic":"AIB agrees to 4% pay hike next year as three-year deal comes to an end","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"XIRUTTXXTFQKQWVBLDOYH32OLM","auth":{"1":"a244d9908b4a8cf67fcb8a5a27678c2796a627f09b92b90924e8b0f3bc759c1d"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/XIRUTTXXTFQKQWVBLDOYH32OLM.JPG"}},"subtype":"default","taxonomy":{"sections":[{"name":"Financial Services"},{"name":"Work"},{"name":"Business"}]},"type":"story","website_url":"/business/financial-services/2024/11/29/aib-agrees-to-4-pay-hike-next-year-as-three-year-deal-comes-to-an-end/","websites":{"irishtimes":{"website_section":{"_id":"/business/financial-services","additional_properties":{"original":{}},"name":"Financial Services"}}}},{"_id":"T7GVOEDAYVGQTM6XOGVV6DYLKE","additional_properties":{},"canonical_url":"/business/2024/11/29/byrne-wallace-and-lk-shields-two-of-irelands-largest-law-firms-agree-to-merge/","content_elements":[{"_id":"DWQBWCZYBNEP5OPPBXEOTN4KIQ","additional_properties":{"_id":1732871856608},"content":"Two of Ireland’s largest law firms, Byrne Wallace LLP and LK Shields Solicitors LLP, have agreed to merge their firms to create Byrne Wallace Shields.","type":"text"},{"_id":"GIXVCBTCMFGGZNV4AAQO2ANYRE","additional_properties":{"_id":1732874076358},"content":"The deal is one of the largest involving two Irish law firms and will create a firm with more than 430 employees, including 220 solicitors, giving them the opportunity to work on “larger mandates” from clients.","type":"text"},{"_id":"CUZVHDI3LZBVHNO7UZLGRYRXZY","additional_properties":{"_id":1732874076359},"content":"Feargal Brennan, the current managing partner of Byrne Wallace, will become managing partner of the merged firm when the deal takes effect on January 1st, 2025. Richard Curran, managing partner of LK Shields will become senior partner in the merged firm.","type":"text"},{"_id":"66DU64NYS5HGVONXHNM4JDFD5M","additional_properties":{"_id":1732874076360},"content":"“We see this merger as a strong vote of confidence in the Irish economy,” the two men said in a joint statement.","type":"text"},{"_id":"XZI4UI46PZBZLHOZSIKVNHTUKU","additional_properties":{"_id":1732874076361},"content":"“Our firms share similar cultures and values and we both enjoy the support of loyal clients, both domestic and international. We believe that this merger will enable us to provide enhanced services to those clients in support of their growth ambitions, and to compete for new Irish and international business.”","type":"text"},{"_id":"XZDDUBM3MZGHVBKXCGPG2X7G5U","additional_properties":{"_id":"T5TODTYHFBAR7D36Y7QP244KY4"},"embed":{"config":{},"id":"acast_podcast-30244","url":"/"},"subtype":"acast_podcast","type":"custom_embed"},{"_id":"VHCUVC77ENGK7NWW4EQICD2EM4","additional_properties":{"_id":1732874076362},"content":"The merger is designed to give the combined law firm “strength in depth” across key areas of corporate and commercial law, including banking and financial services, mergers and acquisitions, European Union and competition, tax, litigation, property, infrastructure construction and energy, regulatory, public sector, employment, technology, cyber and data privacy.","type":"text"},{"_id":"YTD4GGE6IJCBRONNL65IRVML7M","additional_properties":{"_id":1732874076363},"content":"The managing partners said the deal would create “a larger, better resourced, more dynamic firm to service the needs of existing clients and to target larger mandates from existing and new clients”.","type":"text"},{"_id":"MYWXWVBTX5E6NET3L64O7XSZ6U","additional_properties":{"_id":1732874076364},"content":"Byrne Wallace Shields will be based in the current offices of Byrne Wallace on Harcourt Street in Dublin. All of the partners in LK Shields Solicitors will become partners in Byrne Wallace Shields.","type":"text"},{"_id":"YBWHPMOIOJCN7MW6EEN3HDLOOI","additional_properties":{},"content":"At present, LK Shields has 25 partners, while Byrne Wallace, the larger of the two firms, has 57.","type":"text"},{"_id":"6SS4T4ZHQJHFTA3MHFRY4WX7FY","additional_properties":{"_id":1732874076365},"content":"Byrne Wallace, which employs 311 people overall, is a full-service law firm with dedicated teams across all significant aspects of Irish law, with particular expertise in several areas including infrastructure construction and energy, life sciences, healthcare, retail, intellectual property, data protection and tax.","type":"text"},{"_id":"2X6JTDFL55FSHLA7FLWO2J5GJY","additional_properties":{"_id":1732874076366},"content":"LK Shields Solicitors, which has acted in a number of large, high-profile corporate transactions and legal cases, has offices in Upper Mount Street in Dublin as well as in Galway. The corporate and commercial law firm, which employs 123 people, has clients across Irish and international businesses, financial institutions and public bodies.","type":"text"},{"_id":"JB3HM44G3JCX5PK2IU7JNMNVLA","additional_properties":{"_id":1732883126483},"content":"The deal between two of Ireland’s leading law firms echoes a trend seen internationally for firms to seek operational scale through mergers and acquisitions.","type":"text"},{"_id":"5LQMU66HYFFNBPLO36PTY6YEME","additional_properties":{},"content":"It was announced the day after two smaller Irish law firms said they had agreed to merge. Flynn O’Driscoll, a 2002-founded corporate law firm with offices in Dublin, Galway and Shannon, and Vincent & Beatty, first established in Dublin in 1846, will combine as of January 1st, 2025.","type":"text"},{"_id":"PBNRUVBLTJCH3OLTXZFDOK7TGI","additional_properties":{},"content":"The merged firm will have 140 legal professionals, with the Vincent & Beatty team joining Flynn O’Driscoll, led by managing partner James Duggan. Mr Duggan said on Thursday that the firm looked forward to “further growth opportunities”.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Laura Slattery"}},"name":"Laura Slattery"}]},"description":{"basic":"Merger to create Byrne Wallace Shields will help firms target ‘larger mandates’ from existing and new clients"},"display_date":"2024-11-29T10:00:00Z","headlines":{"basic":"Byrne Wallace and LK Shields, two of Ireland’s largest law firms, agree to merge ","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"RZHA7ISE4VHMPFEJKGUEMMJKQI","auth":{"1":"24b2b5c8c9afeea5e4f4bbf07d39ef41374f327987b67f87ea0912d6dbacc223"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/RZHA7ISE4VHMPFEJKGUEMMJKQI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/29/byrne-wallace-and-lk-shields-two-of-irelands-largest-law-firms-agree-to-merge/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"QP5GVVW7ZJCJHPI7F6HZ243ZAA","additional_properties":{},"canonical_url":"/business/2024/11/29/chairman-of-cie-group-issues-pensions-warning/","content_elements":[{"_id":"3UJ4T4INOZAUNLL7QLXUDW76PQ","additional_properties":{"_id":1732824148581},"content":"The scale of pension contributions the CIÉ Group will have to make in future will increase significantly to unaffordable levels, based on actuarial projections, the chairman of the State-owned transport group <a href=\"https://www.irishtimes.com/business/2024/11/29/cie-group-warns-scale-of-its-pension-contribution-facing-increase-to-unsustainable-levels/\" target=\"_blank\"><b>has warned the Government</b></a>.","type":"text"},{"_id":"YWCOBVJCGBDYBPBN5SMYCA6US4","additional_properties":{"_id":1732824148582},"content":"Aidan Murphy told Minister for Transport Eamon Ryan that the board wanted to transition over time to a single defined contribution scheme across the group which includes Dublin Bus, Bus Éireann and Irish Rail. Martin Wall and Emmet Malone report. And in <a href=\"https://www.irishtimes.com/business/2024/11/29/crunch-time-for-cie-pensioners-as-they-voice-their-fears-for-the-future/\" target=\"_blank\"><b>Agenda</b></a> the issue is explored in detail.","type":"text"},{"_id":"XDMB5TTDIBF4BLRXXRZDIWWQ2M","additional_properties":{"_id":1732861093795},"content":"The co-founders of Tipperary-based cancer drug company Shorla Oncology, Sharon Cunningham and Orlaith Ryan were named as <a href=\"https://www.irishtimes.com/business/2024/11/28/shorla-oncology-co-founders-win-ey-entrepreneurs-of-the-year-award/\" target=\"_blank\"><b>EY Entrepreneurs of the Year</b></a> at the annual awards ceremony in Powerscourt Hotel in Co Wicklow on Thursday evening. Ivor Queally, chief executive of QK Group South Africa, was named <a href=\"https://www.irishtimes.com/business/2024/11/28/ivor-queally-wins-international-entrepreneur-of-the-year-at-ey-awards/\" target=\"_blank\"><b>best international entrepreneur</b></a> while Ruth, John and David Mackey, the siblings behind Galway-based laser system company Mbryonics, were named <a href=\"https://www.irishtimes.com/business/2024/11/28/siblings-behind-galway-space-laser-firm-mybryonics-named-ey-established-entrepreneurs-of-the-year/\" target=\"_blank\"><b>best established entrepreneurs</b></a> at the awards.","type":"text"},{"_id":"PS7WFTR6FBCPNI474W7LD56VAM","additional_properties":{"_id":1732824148583},"content":"A leading critic of Germany’s debt brake has urged politicians to expedite its reform before the brake breaks Germany.","type":"text"},{"_id":"EV33MT3JVBDD5FS3U6J4YQKR2U","additional_properties":{"_id":1732824148584},"content":"University of Düsseldorf economist Jens Südekum’s warning comes after ex-chancellor Angela Merkel joined the debt brake reform camp this week – adding pressure on her centre-right Christian Democratic Union (CDU) to follow. Derek Scally <a href=\"https://www.irishtimes.com/business/2024/11/29/pressure-builds-for-germany-to-drop-debt-brake/\" target=\"_blank\"><b>reports from Berlin</b></a>.","type":"text"},{"_id":"BX2IXOHQLNDHVH3CGA6KD5YAFY","additional_properties":{"_id":1732824148585},"content":"As a result of the <a href=\"https://www.irishtimes.com/world/us-election/\"><b>US election</b></a>, the world economy faces a particularly uncertain future over the next four years. Trade arrangements between the US and all other countries are likely to be torn up. <a href=\"https://www.irishtimes.com/business/economy/2024/11/29/john-fitzgerald-how-could-the-eu-respond-if-trump-imposes-tariffs/\" target=\"_blank\"><b>John FitzGerald</b></a>, in his weekly column, wonders how could the European Union respond if Donald Trump imposes tariffs.","type":"text"},{"_id":"ZEI27ZWUCNAVFJRAIGNAZ34GLU","additional_properties":{"_id":1732824148586},"content":"In our <a href=\"https://www.irishtimes.com/business/2024/11/29/meet-the-woman-on-a-mission-to-heat-irelands-homes-and-slash-its-emissions/\" target=\"_blank\"><b>weekly interview slot</b></a>, Colin Gleeson talks to Certa managing director Orla Stevens who gave up on her dream of being a famous radio broadcaster but now runs a major fuel supplier. She is on a mission to heat home but also slash emissions.","type":"text"},{"_id":"BIUZ22WT6NEERCI2HYQV3BFL3I","additional_properties":{"_id":"5CEKM6GO3NDXLC32RVKMEPBX7I"},"embed":{"config":{},"id":"acast_podcast-20955","url":"/"},"subtype":"acast_podcast","type":"custom_embed"},{"_id":"UN7UUMOUTRB35CKALQ5LPCR57Q","additional_properties":{"_id":1732824148587},"content":"Christine Lagarde has urged Europe’s political leaders to co-operate with Donald Trump over tariffs and buy more products made in the US, warning that an acrimonious trade war risks wiping out global economic growth.","type":"text"},{"_id":"5W3RX7O4GFA2RDQC6WLHSBHBQU","additional_properties":{"_id":1732824148588},"content":"The European Central Bank chief said in her <a href=\"https://www.irishtimes.com/business/2024/11/29/ecb-boss-christine-lagarde-says-buy-american-to-avoid-trump-trade-war/\" target=\"_blank\"><b>first interview since Trump won his second presidential term</b></a> that the EU needed “not to retaliate, but to negotiate” with a president-elect who has threatened a blanket tariff of up to 20 per cent on all non-Chinese US imports. Roula Khalaf, Patrick Jenkins and Olaf Storbeck report.","type":"text"},{"_id":"EFFZ5AO3HNHB3BPDSINUBYML7Y","additional_properties":{"_id":1732824148589},"content":"Irish companies are <a href=\"https://www.irishtimes.com/business/2024/11/29/irish-companies-increasingly-optimistic-about-prospects-survey-finds/\" target=\"_blank\"><b>increasingly optimistic about their prospects</b></a>, a new survey has found, but economic uncertainty remains a concern. The Azets barometer rated Irish businesses as the second most optimistic of the six Northern European countries it surveyed, with companies in the construction and manufacturing sectors were the most optimistic. Ciara O’Brien reports.","type":"text"},{"_id":"EGUS3HNQ7NECROR5GHMVCG2VNE","additional_properties":{"_id":1732861093804},"content":"Irish tech company Wayflyer has been named as the fastest growing technology company in Deloitte’s <a href=\"https://www.irishtimes.com/business/2024/11/29/wayflyer-named-as-fastest-growing-technology-company-in-deloittes-annual-ranking/\" target=\"_blank\"><b>annual ranking</b></a>, writes Ciara O’Brien. The company, which provides ecommerce stores with affordable unsecured loans to allow them to fund advertising and inventory in advance of selling items, topped the Deloitte 2024 Technology Fast 50 awards.","type":"text"},{"_id":"TOGJ6PSGNZH4PNBMDOX5JDLNPE","additional_properties":{"_id":1732814178621},"content":"Stay up to date with all our business news: sign up to our <a href=\"https://www.irishtimes.com/newsletters/\" target=\"_blank\"><b>Business Today</b></a> daily email news digest. If you’d like to read more about the issues that affect your finances try signing up to <a href=\"https://theirishtimes.lt.emlnk1.com/Prod/link-tracker?redirectUrl=aHR0cHMlM0ElMkYlMkZ3d3cuaXJpc2h0aW1lcy5jb20lMkZuZXdzbGV0dGVycyUzRnV0bV9zb3VyY2UlM0ROZXdzbGV0dGVyJTI2dXRtX21lZGl1bSUzRGVtYWlsJTI2dXRtX2NvbnRlbnQlM0RSU1MlMjUzQUlURU0lMjUzQVRJVExFJTI2dXRtX2NhbXBhaWduJTNEYnVzaW5lc3NfdG9kYXlfZGlnZXN0&sig=4kSj6MVtJhDySXD8zno7jMoXwZGc1dpLM3xhR9Fc9b5k&iat=1673852841&a=%7C%7C89275494%7C%7C&account=theirishtimes%2Eactivehosted%2Ecom&email=Dc0R66saiYNu2sbROXCOD2QOP8ZXmRzMvz3Yw%2BcA7gI%3D&s=0d5371d23ecde798f8f0f88cc635413b&i=21237A21683A12A963031\"><b>On the Money</b></a>, the weekly newsletter from our personal finance team, which will be issued every Friday to Irish Times subscribers.","type":"text"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Conn Ó Midheach"}},"name":"Conn Ó Midheach"}]},"description":{"basic":"The best news, analysis and comment from The Irish Times business desk"},"display_date":"2024-11-29T06:32:00.686Z","headlines":{"basic":"Chairman of CIÉ Group issues pensions warning","native":"CIÉ pensions warning, Trump and the EU and the EY awards"},"label":{"audio_project_id":{"text":"8948"},"basic":{"display":true,"text":"Business Today Newsletter"}},"promo_items":{"basic":{"_id":"WJWR4NI45CG6MIX66WPSEZX6TU","auth":{"1":"a114cc709b6772f6aec7abe7209d38097cf7464da7ebdb2c666d9608593bcc43"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/WJWR4NI45CG6MIX66WPSEZX6TU.jpg"}},"subtype":"editors-note","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/29/chairman-of-cie-group-issues-pensions-warning/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"OIZB2VZEPJAT7KGPWJD53G2OQA","additional_properties":{"audio_duration":284,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/0d756d1d-6703-4e34-b777-9ee41b91f7d7/versions/1732797421/media/c9900b4917fea1e60e42775b84e48b9b_compiled.mp3"},"canonical_url":"/business/economy/2024/11/29/john-fitzgerald-how-could-the-eu-respond-if-trump-imposes-tariffs/","content_elements":[{"_id":"QOYODO7KINEVLN6XFQB3UMEE34","additional_properties":{"_id":1732796050355},"content":"As a result of the <a href=\"https://www.irishtimes.com/world/us-election/\" target=\"_blank\">US election</a>, the world economy faces a particularly uncertain future over the next four years.","type":"text"},{"_id":"K46SSESZBFFR5CP7FXZU2SE4I4","additional_properties":{"_id":1732796050356},"content":"Trade arrangements between the US and all other countries are likely to be torn up. The latest pronouncement from the incoming president promises that next year the US will unilaterally break the trade agreement between the US, Mexico and Canada, imposing tariffs on imports from both these neighbours.","type":"text"},{"_id":"DU7QDDBUW5B2DKEUCKZIYFMH2Q","additional_properties":{"_id":1732796050357},"content":"While <a href=\"https://www.irishtimes.com/tags/donald-trump/\" target=\"_blank\">Donald Trump</a> also plans punitive tariffs on trade with all other countries, especially <a href=\"https://www.irishtimes.com/tags/china/\" target=\"_blank\">China</a>, he has a track record of unpredictability. Thus things might turn out less disruptive than one may fear today, but it is best to be prepared.","type":"text"},{"_id":"AV5UV6XPZJHO5PPRJAC5KHDBGE","additional_properties":{"_id":1732796050358},"content":"The largest US excesses of imports over exports are with China, the EU and Vietnam. Along with China, Europe is likely to be first in the firing line for tariffs, while the incoming US administration has taken particular note that Germany, Ireland and Italy have big trade surpluses with the US. This could see Irish exports being targeted in a trade war.","type":"text"},{"_id":"DNFWPTWUEJCQBGV3PCM4Z5LFEY","additional_properties":{"_id":1732796050359},"content":"However, while Ireland exports much more goods (especially pharmaceuticals) to the US than we import, this is almost balanced by the US trade surplus with us in services. The new US administration is taking an illogical approach to international trade, concentrating on goods while ignoring the trade balance on services.","type":"text"},{"_id":"6RZLKT5KUBGGBD2SKIBFZ5776M","additional_properties":{"_id":"O7V3XEFFF5B4XP4DJZQ4ZJLM5E"},"subtype":"pullquote","type":"quote"},{"_id":"BNLEJ62MDJHMPIPTGBSZL3WOI4","additional_properties":{"_id":1732796050360},"content":"Ireland is particularly vulnerable to tariffs on pharmaceutical exports, which would be designed to force the companies involved to switch to producing the relevant drugs in the US, at the very least for the US market. Because of the way drug companies specialise production lines, in quite a number of cases the world supply of particular drugs is produced in Ireland. For example, the world supply of Botox is manufactured in Westport. Relocating production to the US will take a number of years, not least because US regulatory approval for a new plant will take time. Thus the loss of production in Ireland would not be instantaneous.","type":"text"},{"_id":"L2DEGP37ZRCJZKCZ6DMEB2EZYY","additional_properties":{"_id":1732796050361},"content":"In any event, the possibility of retaliatory tariffs on imports of pharmaceuticals from the US may ensure that the supplies of the relevant drugs for the rest of the world will continue to be made in Ireland. Nonetheless, the next few years could be nerve-racking for Ireland until a new pattern of world trade is established.","type":"text"},{"_id":"OIX2J5GQ2BHOXBFNR7HWMLER4E","additional_properties":{"_id":1732796050362},"content":"Given a scenario where the US imposes tariffs on a range of exports from the EU, from Irish pharmaceuticals to German cars, retaliatory tariffs may be imposed by Europe. That would be done by the European Commission, which has already signalled that there would be a measured response to any arbitrary action by the US on tariffs. While the EU could choose to take it on the chin, that might appear wimpish to a macho Trump, and a signal to encourage further predatory behaviour.","type":"text"},{"_id":"AZYMD7XZFNF3LGZAK2JFDGFBFY","additional_properties":{"_id":1732796050363},"content":"If the EU opts to retaliate, one of the most effective tariffs it could impose would be on US exports of aircraft (mainly Boeing). Last year the US exported more than €33 billion worth of aircraft, of which €13 billion was to the EU. By contrast the EU, primarily Airbus, exported €43 billion of aircraft, only €5 billion of which went to the US. Given the balance of trade, the effect of a 20 per cent tariff on imports of aircraft would have a much bigger long-term effect on Boeing than Airbus.","type":"text"},{"_id":"VTSV3AFYPZEUVBZ2JSWBNPHWOU","additional_properties":{"_id":1732796050364},"content":"Because both Boeing and Airbus have full order books until 2030, it might not have an immediate effect on sales. However trade tariffs would seriously discourage Europe, and possibly other countries, from continuing to rely on Boeing in the longer term.","type":"text"},{"_id":"IROVOMOIZVCUJHIVEVFSDS2NXY","additional_properties":{"_id":1732796050365},"content":"In the short term the issue of who would pay the tariffs would depend on the nature of the contracts. If Ryanair, a big buyer of Boeing aircraft, had contracted for delivery of the aircraft in Europe at a fixed price, then Boeing would have to pay the tariffs. If that was not the case, big Boeing customers, such as Ryanair, would, of course, seek a better price to cover the cost of a US-initiated trade war.","type":"text"},{"_id":"FK35TS2OBRBNLP2KTTB2OUFWVQ","additional_properties":{"_id":1732796050366},"content":"Extensive economic research shows that imposing tariffs on a swathe of imports to the US will be bad for the US economy, and also bad for most of the rest of the world. The US itself would suffer more than other countries from the resulting rise in import prices, the disruption to supply chains and the losses from retaliatory higher-tariff barriers on US exports. Other countries will also be damaged. The outcome from such a trade war will be a lose-lose situation.","type":"text"},{"_id":"HL4IOZUQPZGHRCWS6TPZ6F4HVM","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"John FitzGerald"}},"name":"John FitzGerald"}]},"description":{"basic":"While Ireland appears vulnerable, particularly in relation to pharmaceuticals, aircraft would be an obvious way for the EU to hit back"},"display_date":"2024-11-29T06:00:00Z","headlines":{"basic":"How could the EU respond if Trump imposes tariffs?","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"JKBJI2ZKDFB36M4ILOHNKP65RI","auth":{"1":"39b7379b18419f8f76a76b20348d7348dacbd7598bf01bf7a81adcb68709d706"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/JKBJI2ZKDFB36M4ILOHNKP65RI.jpg"}},"subtype":"columnist","taxonomy":{"sections":[{"name":"Economy"},{"name":"Business"}]},"type":"story","website_url":"/business/economy/2024/11/29/john-fitzgerald-how-could-the-eu-respond-if-trump-imposes-tariffs/","websites":{"irishtimes":{"website_section":{"_id":"/business/economy","additional_properties":{"original":{}},"name":"Economy"}}}},{"_id":"CCCO37IW3ZCRPCZE6UJBA567HU","additional_properties":{"audio_duration":406,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/2c66a867-8f17-4821-ab80-a9948089ef79/versions/1732822068/media/2eece29f6dcf3f356d2ae4a0a1b1ec5b_compiled.mp3"},"canonical_url":"/business/2024/11/29/ecb-boss-christine-lagarde-says-buy-american-to-avoid-trump-trade-war/","content_elements":[{"_id":"4OHPM6BNH5DGPKGFIBGWLTJQKY","additional_properties":{"_id":1732817070322},"content":"<a href=\"https://www.irishtimes.com/tags/christine-lagarde/\" target=\"_blank\">Christine Lagarde</a> has urged Europe’s political leaders to co-operate with <a href=\"https://www.irishtimes.com/tags/donald-trump/\" target=\"_blank\">Donald Trump </a>over tariffs and buy more products made in the US, warning that an acrimonious trade war risks wiping out global economic growth.","type":"text"},{"_id":"764P3IP4UZGHJMLF6MEENIXQBA","additional_properties":{"_id":1732810618067},"content":"The <a href=\"https://www.irishtimes.com/tags/european-central-bank-ecb/\" target=\"_blank\">European Central Bank</a> chief said in her first interview since Mr Trump won his second presidential term that the EU needed “not to retaliate, but to negotiate” with a president-elect who has threatened a blanket tariff of up to 20 per cent on all non-Chinese US imports.","type":"text"},{"_id":"7YHSCQVQMFEYVBLTAYBTOBVCMI","additional_properties":{"_id":1732810618068},"content":"Ms Lagarde also cautioned that a “trade war at large” was “in nobody’s interest”, and would lead to “a global reduction of GDP”. Taking aim at Mr Trump’s claims that he could “make America great again”, the ECB chief said: “How do you make America great again if global demand is falling?”","type":"text"},{"_id":"654XM6TWKFAVNH66JKUU44F33M","additional_properties":{"_id":1732810618069},"content":"Mr Trump’s victory has raised concerns among national governments and officials in Brussels, who fear tariffs would wipe out the EU’s large trade surplus with the US and spur the region’s manufacturers to shift production there.","type":"text"},{"_id":"RDPI3REMMFEZPKNE5PPNOTZQMM","additional_properties":{"_id":1732810618070},"content":"Ms Lagarde said Europe should deal with a second Trump term with a “chequebook strategy” in which it offered “to buy certain things from the United States”, such as liquefied natural gas and defence equipment. “This is a better scenario than a pure retaliation strategy, which can lead to a tit-for-tat process where no one is really a winner,” the ECB president said.","type":"text"},{"_id":"J6KV5GCZVBB57DCJHPYEKSHRE4","additional_properties":{"_id":1732810618071},"content":"The European Commission, which runs trade policy for the EU’s 27 member states, is still considering how it would respond.","type":"text"},{"_id":"3MBTOCEVUJC75O3YSZMXW7FR5E","additional_properties":{"_id":1732810618072},"content":"Increasing purchases of US exports, including agricultural products, as well as LNG and weapons, are among the options under consideration, according to officials involved in the preparations. The EU is also preparing to allow US companies to participate in initiatives to support joint military procurement with EU taxpayer money, and to align more closely with the White House on its trade and geopolitical policies towards China.","type":"text"},{"_id":"KKYZKN2SUFHHHCOJPBPFAU7KNM","additional_properties":{"_id":1732810618073},"content":"Ms Lagarde has been unusually outspoken for a central banker in voicing her opinion on the US president-elect, saying earlier this year that a second Trump term was “clearly a threat” for Europe. She said this week that the remark was “prescient”.","type":"text"},{"_id":"H2DZG4YWEJDI3A4JY3K6HZNWGE","additional_properties":{"_id":1732810618074},"content":"“Just look at the debates that we are having in many countries in Europe,” she said.","type":"text"},{"_id":"GY65OJIEVZE7XIQERUK5HS36AQ","additional_properties":{"_id":1732810618075},"content":"Her counterpart at the Federal Reserve, Jay Powell, has carefully avoided voicing his opinion on Mr Trump despite him tweeting during his first term that the US central bank chair was possibly a “bigger enemy” to the American economy than China.","type":"text"},{"_id":"VKLI33NEYRD2FK3XTELFVB4RWU","additional_properties":{"_id":1732810618076},"content":"Ms Lagarde said her thinking on how to handle a second Trump term had “changed a bit” over the course of 2024, saying it was also Europe’s responsibility to use the US election result to spur much-needed changes to an economy that was struggling to keep up with its rivals.","type":"text"},{"_id":"XY3UUUYFLRDCNGCOXMLQUTXERE","additional_properties":{"_id":1732810618077},"content":"“It is up to us now – the Europeans – to transform that threat attitude of ours into a challenge that we have to respond to,” the ECB president said. While she disputed claims that Europe was embroiled in a crisis, the current situation was “a big awakening”.","type":"text"},{"_id":"OUP3AU552VCTZJUZQ376I5O5EQ","additional_properties":{"_id":1732810618078},"content":"Ms Lagarde agreed with her predecessor Mario Draghi’s diagnosis that the EU needed to take drastic action to regain its economic competitiveness, after struggling to keep up with the US over recent decades. “Europe is lagging behind. But I wouldn’t say that Europe cannot catch up,” she said.","type":"text"},{"_id":"AHZP3GGGFBG75LRABXCW6G2DHE","additional_properties":{"_id":1732810618080},"content":"Economists believe MrTrump’s threat to impose significant tariffs on Chinese exports to the US could lead Beijing’s manufacturers to flood European markets with their products, presenting a further threat to domestic competitiveness.","type":"text"},{"_id":"M62D6W3LGVBBBNEH4BW43LVUDI","additional_properties":{"_id":1732810618081},"content":"The dumping of cheap products would exacerbate tensions between the EU and China, one of its main trade partners, and place further pressure on a region beset by economic stagnation since the Covid-19 pandemic struck.","type":"text"},{"_id":"CD7YUIM44JHLXALOLN2ENKDSF4","additional_properties":{"_id":1732810618082},"content":"The ECB president said policymakers needed to monitor such a “rerouting scenario” for Chinese goods carefully.","type":"text"},{"_id":"K4A7BWG53NHHBC6N6OUGAF2EUA","additional_properties":{"_id":1732810618083},"content":"During his campaign Mr Trump threatened to impose a 60 per cent tariff on all Chinese imports. On Monday evening Mr Trump said he would impose a 10 per cent levy on Beijing from his first day in office in retaliation for China doing too little to crack down on the manufacturing of substances used to produce fentanyl.","type":"text"},{"_id":"2T5IKTLGTBEP7E6OSEP2BS2TGM","additional_properties":{"_id":1732810618085},"content":"Ms Lagarde spoke to the FT earlier on Monday, ahead of Mr Trump’s remarks. She called on Europe to cut through Mr Trump’s campaign rhetoric and to focus on the details of his proposals so far, arguing it was “interesting” that he had suggested introducing tariffs of between 10 and 20 per cent on non-Chinese imports.","type":"text"},{"_id":"KBH6OPUYP5CVNHRWK5ON676Z74","additional_properties":{"_id":1732810618087},"content":"“The fact that you put out a range means that you are open to discussion,” she said, adding that this created the opportunity to “sit at the table and see how we can work together”.","type":"text"},{"_id":"64GDTCQEIVFZ3GZP5U3WXXZRMA","additional_properties":{"_id":1732810618088},"content":"While Ms Lagarde said it was too early to assess the implications of US tariffs on inflation in the euro zone overall, she said that “if anything” the effect was “maybe...a little net inflationary in the short term”, pointing to a likely reduction in economic activity and swings in foreign exchange rates. “But you could argue both ways,” she added. “It depends what the tariffs are, what they are applied on, and over what period of time.”","type":"text"},{"_id":"IX6ZEKDBSRBZRLS3Z6SLBUMIT4","additional_properties":{"_id":1732810618089},"content":"Ms Lagarde said for Europe the incoming Trump administration’s stance on trade and transatlantic co-operation were an “accelerator of a reset that we need”.","type":"text"},{"_id":"WZUK7BQPWNHNXJ2DK3ZPNFMRKE","additional_properties":{"_id":1732810618090},"content":"She singled out the long-standing idea to create a single market for capital in Europe – the so-called Capital Markets Union – and urged the EU to “move quickly” with it. The idea was first proposed by the Juncker Commission in 2014, but so far has been held up by domestic opposition in many of the EU27 member states. “I have not seen such a level of understanding and excitement as we have now,” said Ms Lagarde.","type":"text"},{"_id":"VO45KUYYXBCH5ARIVH5HDAQNXQ","additional_properties":{"_id":1732810618091},"content":"She called for capital markets supervision to move from the EU’s 27 national authorities to the European Securities and Markets Authority. “We should have one single supervisor” that “operates like the Securities and Exchange Commission”, Ms Lagarde said, referring to the US’s capital markets watchdog.","type":"text"},{"_id":"NJRITNT25NHUNDDV3EK2SHENX4","additional_properties":{"_id":1732810618092},"content":"Asked about the view that Europe’s economy was so outdated and ossified that the Continent was turning into a “museum”, Ms Lagarde quipped that “it’s a pretty attractive museum if you ask me”.","type":"text"},{"_id":"UTJ6PJQDD5ES3LISYLK3JIMDH4","additional_properties":{"_id":1732810618093},"content":"She pointed to a “huge amount of innovation” across the Continent, naming the Dutch farming sector as an example: “Did you know that the Netherlands is the second largest farming product exporter in the world? Look at the size of the country!”","type":"text"},{"_id":"64YQAC7JURFJTFBXPMGY5HFZKI","additional_properties":{"_id":1732810618094},"content":"Confronted with a common criticism that Dutch tomatoes are lacking in taste, she responded: “But you eat them.” – Copyright The Financial Times Limited 2024","type":"text"},{"_id":"R7P75IMSEFEK3ECM642SOQECJY","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Roula Khalaf, Patrick Jenkins and Olaf Storbeck"}]},"description":{"basic":"ECB chief takes aim at claim that tariffs will ‘make America great again’ — but calls for negotiation, not retaliation"},"display_date":"2024-11-29T06:00:00Z","headlines":{"basic":"ECB boss Christine Lagarde says buy American to avoid Trump trade war","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"N7VYOJM73OPDFKFA4CAVVE233Q","auth":{"1":"e10e6acccf198a6d4a038d7f71ab5888586290286f5c8d0e738bc6c0f8232bf2"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/N7VYOJM73OPDFKFA4CAVVE233Q.jpg"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Business"},{"name":"Economy"}]},"type":"story","website_url":"/business/2024/11/29/ecb-boss-christine-lagarde-says-buy-american-to-avoid-trump-trade-war/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"4U2V5V2FMJFJJGPTGLPYF6NJB4","additional_properties":{"audio_duration":290,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/682ce8d2-9028-4719-96d2-bbdf2396d861/versions/1732824343/media/17ddd1bf119873cbb9b9c471b65a20bf_compiled.mp3"},"canonical_url":"/business/2024/11/29/pressure-builds-for-germany-to-drop-debt-brake/","content_elements":[{"_id":"WEFLZH5VYJAZDE6N7DNFBIOJFM","additional_properties":{"_id":1732801667479},"content":"A leading critic of Germany’s debt brake has urged politicians to expedite its reform before the brake breaks Germany. University of Düsseldorf economist Jens Südekum’s warning comes after ex-chancellor <a href=\"https://www.irishtimes.com/tags/angela-merkel/\" target=\"_blank\">Angela Merkel</a> joined the debt brake reform camp this week – adding pressure on her centre-right <a href=\"https://www.irishtimes.com/tags/christian-democratic-union/\" target=\"_blank\">Christian Democratic Union</a> (CDU) to follow.","type":"text"},{"_id":"G3G534BGBFA6NCLSVNTJMUS23Q","additional_properties":{"_id":1732801667481},"content":"“Germany cannot waste any more time. The reform of the debt brake and the start of a major investment programme needs to come as early as possible,” Prof Südekum told The Irish Times. “Germany needs to launch a major reform package, including of the debt brake, otherwise the current crisis will exacerbate.”","type":"text"},{"_id":"7GPSXF6YNFAA7I4N5EEV2XTHI4","additional_properties":{"_id":1732801667482},"content":"It’s 15 years since a CDU-lead Merkel government, in response to the banking crisis, anchored the debt instrument in the postwar Basic Law. It prohibits the federal and state governments from taking on new debt annually beyond 0.35 per cent of economic output – except in emergencies.","type":"text"},{"_id":"CZAJPOLRJFC6PE3JKKYQDCZORQ","additional_properties":{"_id":1732801667483},"content":"In her memoir Freedom, published on Tuesday, Dr Merkel insisted the brake remains essential to avoid a debt mountain for future generations. She added, however, that the instrument “needs to be reformed to allow higher levels of debt to be assumed for the sake of investment in the future”.","type":"text"},{"_id":"VWB7ZIVQF5HN5DCMEJY3UM6G6E","additional_properties":{"_id":1732801667485},"content":"Her shift follows a surge in warnings that the rule has compounded Germany’s ongoing economic difficulties and strangled public investment.","type":"text"},{"_id":"PJD2G3W6IVDVXBWVKVD4HWJXYA","additional_properties":{"_id":1732801667486},"content":"While long-term critics of the debt brake welcomed the new Merkel flexibility, many wondered aloud why the original instrument lacked this differentiation.","type":"text"},{"_id":"UIWNDQTWJJF7XBUKTHIOMSQKXA","additional_properties":{"_id":1732801667487},"content":"Her shift adds to expectations on Friedrich Merz, her successor as Christian Democratic Union (CDU) chair and chancellor hopeful after federal elections in February.","type":"text"},{"_id":"KEB7CEYLUFCVJOGD2IP4T3XAWU","additional_properties":{"_id":1732801667488},"content":"Earlier this month Mr Merz indicated that, apart from a few untouchable clauses in the Basic Law, “everything else can be debated”. While he rejected additional borrowing for welfare spending, he said “the answer may be different” on borrowing for investment.","type":"text"},{"_id":"JLTOBACMQVFRLGPAJJMUGKPT6E","additional_properties":{"_id":1732801667490},"content":"A month ago federal economics minister Robert Habeck proposed just that: a multibillion debt-backed stimulus plan to “unleash a big boost for the national economy”.","type":"text"},{"_id":"KGJKCOMF2JHTLNEVM6KMDLRGXE","additional_properties":{"_id":1732801667491},"content":"The plan for “mid three-digit billion” spending was largely debt financed because the minister “didn’t see any other realistic political option”. Like many other government plans his “Germany Fund” came to nothing after the liberal Free Democratic Party (FDP) walked out of government in a long-running fiscal row where the debt brake played a key role.","type":"text"},{"_id":"3GID6JZZQFG4BE3OX3F372D3DM","additional_properties":{"_id":1732801667492},"content":"Despite the Merkel debt brake shift, Prof Südekum says no progress is likely before a new government is formed by April or May at the earliest. “Immediately afterwards,” he warned, “Germany needs to launch a major reform package, including the debt brake, otherwise the current crisis will exacerbate.”","type":"text"},{"_id":"H6S5M3U4C5A2BKQHDIXJRJ2WCY","additional_properties":{"_id":1732801667494},"content":"Restrictions on borrowing and a push to balance budgets in the Merkel era throttled rail investment. The disastrous rail network made international headlines during the European Championships. September’s bridge collapse in Dresden has added urgency to demands for more infrastructure investment.","type":"text"},{"_id":"5CKRO6JKDFF37NIG6KPNYFPNKM","additional_properties":{"_id":1732801667495},"content":"Last July the <a href=\"https://www.irishtimes.com/tags/international-monetary-fund/\" target=\"_blank\">International Monetary Fund</a> (IMF) called for reform of Germany’s debt brake. In its study of gross public investment in 29 countries, it placed Germany in third-last place (and Ireland last).","type":"text"},{"_id":"PLGTFO5N3VAVJMYZ6DEKR6DRQQ","additional_properties":{"_id":1732801667496},"content":"On Monday ARD public television aired a show where 100 studio guests were asked to vote on whether “more debt is the answer” to Germany’s infrastructure misery. After hearing pro and contra arguments some 68 per cent favoured higher debts for investment while 27 per cent were opposed.","type":"text"},{"_id":"NPK3N32UYVDKLHI3K2Y7D4MEJQ","additional_properties":{"_id":1732801667498},"content":"A representative opinion poll for ARD in August showed a different picture: a narrow majority (53 per cent) backing the debt brake in its current form, with 41 per cent open to reform.","type":"text"},{"_id":"NSWQ474QTFGZNKQBRVR52PYLVY","additional_properties":{"_id":1732801667499},"content":"This week the European Commission warned Germany that its debt-to-GDP ratio of 64.28 was already beyond euro limits – though almost half that of France on 115 per cent.","type":"text"},{"_id":"2XAKG6LW2VBLDM36PMREQ5SZTI","additional_properties":{"_id":1732801667500},"content":"For ING global head of macro analysis Carsten Brzeski, the debt brake is a tool from another time: when German debt stood at 70-80 per cent of GDP. In a note to investors he said new ideas were essential to rescue a stagnant economy, where industrial production is around 10 per cent below pre-pandemic levels.","type":"text"},{"_id":"LJMVGDVX7JCIRKUV7LETXTXGXM","additional_properties":{"_id":1732801667502},"content":"“Either with full legal changes or new flexibility,” he added, “we expect the next German government to agree on additional fiscal stimulus.”","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Derek Scally"}},"name":"Derek Scally"}]},"description":{"basic":"Brake back in spotlight after Angela Merkel came out in favour of reforming the spending rule"},"display_date":"2024-11-29T06:00:00Z","headlines":{"basic":"Pressure builds for Germany to drop ‘debt brake’","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"OLI4AWIMORXHCEGLG2LDFRAHKU","auth":{"1":"00d269d8e5939a0f68d3ddb2e455ec121a2dc79ad5fdf9768ccc696cd56f1693"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/OLI4AWIMORXHCEGLG2LDFRAHKU.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Economy"}]},"type":"story","website_url":"/business/2024/11/29/pressure-builds-for-germany-to-drop-debt-brake/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"26KF4TAEDJBI5E6I2FLTODX7HU","additional_properties":{"audio_duration":734,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/4198fc92-45b1-42ce-9d84-4c939df1eeb0/versions/1732806181/media/b7c8169092e0335646ea8631fe09b2fd_compiled.mp3"},"canonical_url":"/business/2024/11/29/meet-the-woman-on-a-mission-to-heat-irelands-homes-and-slash-its-emissions/","content_elements":[{"_id":"WIDB23NK6FBAJC3TTVZY27HAEQ","additional_properties":{"_id":1732646372602},"content":"For a while after Orla Stevens was made managing director of leading Irish fuel supplier Certa, she would mumble her job title when people asked her what she did for a living. But that touch of humility should not be confused for impostor syndrome.","type":"text"},{"_id":"TUPAI334ORA3XC2OFHSLEFJOII","additional_properties":{"_id":1732646372603},"content":"Stevens grew up in a “very working class” area of Walkinstown in Dublin and her father, who worked with Smurfit Kappa in Ballymount for 51 years, instilled in her the ethic that you work hard and you get what you work for.","type":"text"},{"_id":"CTMKDJZGEFGBXFVZVOMADXZUP4","additional_properties":{"_id":1732646372604},"content":"We are sitting in Certa’s offices in Bray, Co Wicklow on a Friday afternoon and it is deserted.","type":"text"},{"_id":"VEJ67VPZURHCBLZ65BW2FG5NPI","additional_properties":{"_id":1732805552481},"content":"“It’s a work from home day,” she explains, while the occasional tinkle of a Teams notification from her laptop reminds us that the work of the company continues on.","type":"text"},{"_id":"J4KOSMOG6JD7FHY5Q3HU5LFK4Q","additional_properties":{"_id":1732646372605},"content":"Stevens, having completed a degree in communications studies at Dublin City University, initially had designs on becoming “a famous broadcaster” with her sights set on a career in radio.","type":"text"},{"_id":"BCVNN4GGWFGWTBVX2C4WAVOZK4","additional_properties":{"_id":1732646372606},"content":"She got some work experience with RTÉ and worked with a couple of radio stations in the early 1990s, including 98FM and the “ill-fated” Radio Ireland, which went on to become Today FM. There was, however, a dearth of opportunities, and she decided to “exit” radio.","type":"text"},{"_id":"BJEDTOOZSNCTFOG3W3BZJEU3GA","additional_properties":{"_id":1732646372607},"content":"“I don’t think the world of broadcasting is any poorer for my absence,” she laughs. Despite the bump in the road, her time in radio involved some work in sales which was to set the wheels of the rest of her career in motion.","type":"text"},{"_id":"S35NZEP6QVCXREROLBITRGFUYQ","additional_properties":{"_id":1732646372608},"content":"Her next job with Golden Pages involved ringing companies to talk them into buying more prominent slots in the business directory.","type":"text"},{"_id":"H4UIB3MK4RDTRJ7Q2ZMQKXWDUA","additional_properties":{"_id":1732805552486},"content":"“It sounds so archaic now,” she says. “I don’t think most kids these days would even know what a phone book is, but that’s how I started.”","type":"text"},{"_id":"K65625GTTVDBBFC5EOD2PMZXXM","additional_properties":{"_id":1732646372609},"content":"The job gave her “a really good grounding” in customer service, sales training, and working towards targets. “How to build rapport, and how to ask for the sale,” she explains.","type":"text"},{"_id":"NDIC4VURWBA57EBWS3BKQESELY","additional_properties":{"_id":1732646372610},"content":"After that, she worked for Esat Digifone, which was a start-up at the time, and which went on to become O2 and is now Three.","type":"text"},{"_id":"BRZSC35VANBSZN2Z2RO33US5ZU","additional_properties":{"_id":1732805552489},"content":"“I really enjoyed setting something up from scratch,” she recalls. “I ended up having to hire a team, train them, and I was only young myself.”","type":"text"},{"_id":"LF44QDAGEJDJNCDYXODGI4M6F4","additional_properties":{"_id":1732646372611},"content":"From there, she went to Bank of Ireland where she worked in a number of different roles and was involved in setting up the bank’s online 365 service.","type":"text"},{"_id":"XNPPZUGVARCEVGEFGS3TO2TM7Q","additional_properties":{"_id":1732646372612},"content":"“Navigating a very big business like that was new to me,” she says. “At that time the bank had a lot of people who were there a very long time. So it was kind of who you knew, and you had to find out how to influence people.”","type":"text"},{"_id":"ZET46PYKY5HMPB2VENZHOPLX2Y","additional_properties":{"_id":1732646372613},"content":"Following further stints with Vodafone and SSE Airtricity, she has now been with Certa for the past three years. Having previously been the group’s commercial director, she has been in the managing director’s chair for about six months – her first foray in a top job.","type":"text"},{"_id":"3US77GDTH5FR5KQPBNX42ARI4U","additional_properties":{"_id":1732646372614},"content":"She tries to start most days with a walk, accompanied by her 18-month-old Labrador, and she is at her desk by about 7.30am. She works as long as she needs to but insists that making time to switch off is a company-wide policy.","type":"text"},{"_id":"2RCU25HKRJDB3P275BQJHJIXBQ","additional_properties":{"_id":1732646372615},"content":"Coming to the role, she had been quite used to the commercial and sales side of the business but was “not deeply” into the operations or finance side. She was “probably a bit apprehensive” as to how she would manage that, she admits.","type":"text"},{"_id":"SZHM6WKTQFH27FS22PM7K4JSMI","additional_properties":{"_id":1732646372616},"content":"“I can lean heavily on the finance director but that is a big learning curve,” she says. “I am typically very hands-on so the big challenge for me was stepping back from the day-to-day. Maybe I’m just nosy, but that’s something I am getting used to.”","type":"text"},{"_id":"HZGBIYO53FG23EU523WASWYC34","additional_properties":{"_id":1732646372617},"content":"Certa, which is part of the DCC services group, is one of the biggest home heating fuels businesses in the State, with a national network of 23 depots and 100 trucks. It also operates a network of 49 unmanned “pay at the pump” forecourts and is in the solar energy space too.","type":"text"},{"_id":"WEJAY3NQEFGYJCCLYCQV7V2SDI","additional_properties":{"_id":1732646372618},"content":"The company was created when DCC Oil Ireland’s six consumer brands – Emo Oil, Campus Oil, Jones Oil, Certa, CC Lubricants and Source Lubricants – were each brought under the umbrella of the Certa brand just two years ago. It employs almost 400 people across 25 locations in Ireland.","type":"text"},{"_id":"CHMIANPTGZHSBM7EWAMLHPKITY","additional_properties":{"_id":1732646372620},"content":"“Emo Oil had a very strong commercial base,” says Stevens. “They had very long relationships with really big Irish businesses. Campus Oil were really well versed online, so they were digital, very domestic, lean, efficient – a little bit ahead of their time.","type":"text"},{"_id":"VNWR5T75CZA2FLCRJRHM4FHMXQ","additional_properties":{"_id":1732646372621},"content":"“Then Jones Oil is where we have our depots all over the country. They’re local, in the community, and they would have dealt with a lot of small to medium businesses and agri groups.","type":"text"},{"_id":"F6XV5SRA4RFRFBLQROFAOU4YOI","additional_properties":{"_id":1732646372622},"content":"“We also at times buy other smaller distributors and businesses with maybe five or six trucks. DCC is an acquisitive business, so we will continue to do that.”","type":"text"},{"_id":"EOJ3SFXUTBE4JOKJ4JXVAMNWA4","additional_properties":{"_id":1732646372623},"content":"The company has a home heating base of about 100,000 customers that it delivers to, many of whom are of an older age profile and who live in rural parts of the country. This inevitably presented challenges to the rebrand in an industry where loyalty and familiarity are key.","type":"text"},{"_id":"6LG3ZOUZUFACDFAHRHGWJFXDTU","additional_properties":{"_id":1732646372624},"content":"“The main relationship our customers have is with our drivers,” says Stevens. “We wanted to make sure they were still dealing with the same people even though they might be wearing a different colour uniform.","type":"text"},{"_id":"FV3RVKJ56ZAFPING3EDBGKIKRE","additional_properties":{"_id":1732646372625},"content":"“They see them two or three times a year for filling up and the driver knows if a gate is a bit rickety. They go into the back garden, fill up, and none of that changed. The livery on the truck was different but it was the same people and the same friendly face they [the customers] had known.”","type":"text"},{"_id":"FVOWWSXUJFAWZNDDFAFZ3ETU7A","additional_properties":{"_id":1732646372626},"content":"Certa has big climate ambitions and believes its roll-out of hydrotreated vegetable oil (HVO) can be a major player in helping the State meet its carbon emissions targets.","type":"text"},{"_id":"5MD6ESZTC5HMXNBL2EVDSYUQQI","additional_properties":{"_id":1732646372627},"content":"HVO is produced from waste plant matter and can be used by motorists as a direct replacement for diesel without any need for vehicle or engine modifications as well as by companies or events to simply generate energy, while it produces up to 90 per cent less carbon emissions.","type":"text"},{"_id":"FZH7DIOPGNA2NCZB3S4BMEVKRU","additional_properties":{"_id":1732646372628},"content":"Certa’s clients include Dublin Airport, Amazon Web Services, John Sisk and Son, M50 Truck and Van Centre, the National Ploughing Championships, Dublin Port, the Irish Open, and Electric Picnic.","type":"text"},{"_id":"S7F5K2G3WNGHRIRGYCJLYSJR5U","additional_properties":{"_id":1732646372629},"content":"“They use it on site and in all of their generators,” says Stevens of John Sisk and Son. “It’s a drop-in replacement for diesel so they don’t need to buy new equipment. But they noticed that even the air quality on site was better.”","type":"text"},{"_id":"TOTIZERLXBBZ3DOWXGYUN5GRR4","additional_properties":{"_id":1732646372630},"content":"The group also has agreements in place with a number of operators of data centres to power their facilities with HVO while they wait between two and five years to get a connection to the grid.","type":"text"},{"_id":"WYKVXEIOSRAL3O6QA6AW5QM2N4","additional_properties":{"_id":1732646372631},"content":"Buoyed by the success of HVO, Stevens thought long and hard about how it could be rolled out even further.","type":"text"},{"_id":"5GXPO7EUIZB3PIVI6IH6EZHFQ4","additional_properties":{"_id":1732805552510},"content":"“I really wanted to get it out to private drivers, so we started with a site out in Liffey Valley last year,” she says.","type":"text"},{"_id":"RH6EFCI5J5GYJOZYXUXT5TIARA","additional_properties":{"_id":1732646372632},"content":"Eleven of Certa’s unmanned forecourts now offer HVO alongside other fuels.","type":"text"},{"_id":"LHHSHKOT4JAT7O4YOKQMVIQICM","additional_properties":{"_id":1732805552512},"content":"“So you drive in and you can choose from diesel, petrol or HVO,” she says. “It’s a pink nozzle, so you can’t miss it. We’re going to keep rolling that out as time goes on.”","type":"text"},{"_id":"SLLWWGCHMZDIRGFANQG5625NKM","additional_properties":{"_id":1732646372633},"content":"As well as the HVO offering at the group’s forecourts, it also has an electric vehicle (EV) charging station at its Liffey Valley facility. However, while DCC has a lot of EV sites across Europe, Stevens says Certa is “taking it quite slow” in Ireland.","type":"text"},{"_id":"VRFNJVCTXJDJPP3Z2FRIUZEC7E","additional_properties":{"_id":1732646372634},"content":"“At the moment we are just in Liffey Valley with EV charging,” she says. “I would like to see more EV charging at our sites and we have plans to do that. It’s a large capital expense but it’s the way to go.","type":"text"},{"_id":"WUDO4XZW5ZBTRGQMOMU3FKDDTI","additional_properties":{"_id":1732646372635},"content":"“We’ve seen all across Europe that that slowdown in demand is there. We will roll it out but probably slower [than initially planned] – probably the same as what we are seeing on the Continent and among our competitors in Ireland.","type":"text"},{"_id":"NX6RKGML3BGITI5UZKSFUG4PEM","additional_properties":{"_id":1732646372636},"content":"“Our sales of unleaded have gone up this year which would suggest hybrid cars are more of a choice now. I suppose people are trying to decide whether EV is the way to go and whether there are enough chargers. It’s kind of a chicken and egg scenario.","type":"text"},{"_id":"OFHQF63LYFEPJGVO2CBLHB35AM","additional_properties":{"_id":1732646372637},"content":"“There is a lack of infrastructure still so there is some anxiety among people driving EVs about where they will be able to stop and charge. I would like to see more charging points come available and I am hopeful we will be able to fill some of that gap.","type":"text"},{"_id":"2MAHB2YZINGG5KIREVQXXYRR6Y","additional_properties":{"_id":1732646372638},"content":"“We’re not a retailer like some of our competition but we are moving into non-fuel income streams. Where we can, we sell anything that is related to cars. We also have our own coffee which we designed ourselves. That kind of light retail is something we are watching and trying to see if there is more of an opportunity.”","type":"text"},{"_id":"X32YTGRTCFCJBPMNIAIPR27TQY","additional_properties":{"_id":1732646372640},"content":"One of the biggest ways in which Certa believes it can play a role in reducing Ireland’s carbon emissions is through the home heating market where 700,000 households still use liquid fuels to heat their homes. The residential sector currently accounts for 10 per cent of emissions here.","type":"text"},{"_id":"QKJEEE24QNA2PDZBYZDHDDL62E","additional_properties":{"_id":1732646372641},"content":"Just a few weeks ago Certa rolled out EcoMax for the home heating market, which the company describes as a “lower carbon blended biofuel”. It comprises 20 per cent HVO and 80 per cent kerosene, which Stevens points out would lead to a significant reduction in household emissions if adopted across the board.","type":"text"},{"_id":"JEH2IEFYL5H3DP3D5SYPPCNPIY","additional_properties":{"_id":1732646372642},"content":"“It can be used without any need to replace or modify your home heating boiler,” Stevens says. “We did a lot of work on it to make sure it was absolutely safe. We did a lot of trials with our own people internally who had boilers at home.","type":"text"},{"_id":"62WZYFYNA5EFXFL2WPZMSJQ624","additional_properties":{"_id":1732646372643},"content":"“I know the government is very pro-retrofitting and insulation and solar which we absolutely buy in to, but for some customers that is out of reach at the moment. Changing the home heating oil is not out of reach. They don’t need to spend any money.”","type":"text"},{"_id":"TF6XOPKFUJGCLEOIKHPF74ZNAI","additional_properties":{"_id":1732646372644},"content":"On the solar side, Certa acquired specialist Alternative Energy Ireland last year, which installs panels for a lot of residential customers while also maintaining a strong commercial and industrial base. Certa, through DCC, has also launched a “solar as a service” business.","type":"text"},{"_id":"PDJLZ6MEMZD5ZPF3OAMX7CUO2E","additional_properties":{"_id":1732646372645},"content":"“For businesses that want to get solar panels installed but don’t have the capital to do that, we can provide the funding,” Stevens explains. “We see that as a strong solution for smaller businesses who don’t want to put their money on the roof. I think that will be a big focus for us into next year.”","type":"text"},{"_id":"XU7XSY7CFVEORO54Q2IJ4MNS3M","additional_properties":{"_id":1732646372646},"content":"Stevens admits the company has “a lot of irons in the fire”, but says she manages to maintain a reasonable work-life balance. She has four “grown children” but says there is still “a bit of picking up and dropping off to be done”.","type":"text"},{"_id":"4O3UIXNJOZDV7MKCZKZ5MQMEGQ","additional_properties":{"_id":1732646372647},"content":"“They kind of keep you normal, and you have to just close the laptop,” she says. “My eldest has just gone to Australia. She finished college a couple of years ago. She is going for maybe a year or two – I hope – and then is coming home.","type":"text"},{"_id":"F47YHYSR3JAYPCMC3E2FWGGRZ4","additional_properties":{"_id":1732646372648},"content":"“It’s a busy house. There is always somebody who needs something. We had Leaving Cert last year and we have it again this year. I think it takes a whole family to do it. My husband and I have a great partnership so we pick up the slack for each other.”","type":"text"},{"_id":"XFWV7ZMH5ND2ZGPVX7TOUA3NM4","additional_properties":{"_id":1732646372649},"content":"Among her other interests, she sings in a choir, does Pilates and loves to read. She recently read The Heart’s Invisible Furies by John Boyne, which she describes as “absolutely amazing”, and a book that “leaves you really thinking”.","type":"text"},{"_id":"UWDSRDRXANHX3CH2HQDQWLZ25I","additional_properties":{"_id":1732646372650},"content":"Her favourite book of all time is Pride and Prejudice.","type":"text"},{"_id":"PBPG34FL2RAPRHJTOPVHIQ4K2E","additional_properties":{"_id":1732805552530},"content":"“If I have nothing else to read, I’ll pick it up on any page and just read it,” she says. “It has a woman heroine, but what I really like about it is she broke out of her social circle and beat the odds. It really resonates.”","type":"text"},{"_id":"W2FDKAH6XZA3HKRWGXODUMQ2KI","additional_properties":{"_id":1732646372651},"content":"<b>CV</b>","type":"text"},{"_id":"X2MJ5WY7BRH5NIIOPBTTGKIEMA","additional_properties":{"_id":1732646372652},"content":"Name: Orla Stevens","type":"text"},{"_id":"VYZAOQKP2JDOFPO35NTSWAGTAA","additional_properties":{"_id":1732646372653},"content":"Age: 55","type":"text"},{"_id":"K7IMROLGKBDS7NLFVAPJHA7J5A","additional_properties":{"_id":1732646372654},"content":"Job: Managing director of Certa","type":"text"},{"_id":"3SES3AZVZZA2VJVJPRAOC5VXTQ","additional_properties":{"_id":1732646372655},"content":"Family: Married with four grown children","type":"text"},{"_id":"3MSM6D2IVFDDZJAORJFAHDWINE","additional_properties":{"_id":1732646372656},"content":"Interests: Singing, walking, reading","type":"text"},{"_id":"SEZHHHKLGBDVRIEGZJCYO3WR4A","additional_properties":{"_id":1732646372657},"content":"Something you might expect: She likes structure and being organised","type":"text"},{"_id":"5JOFWZXPBVHJJLU4JJGG46W5BY","additional_properties":{"_id":1732646372658},"content":"Something that might surprise: She likes to speak a bit of Irish, but more so at home","type":"text"},{"_id":"R7P75IMSEFEK3ECM642SOQECJY","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Colin Gleeson"}},"name":"Colin Gleeson"}]},"description":{"basic":"Certa managing director Orla Stevens gave up on her dream of being a famous radio broadcaster, but now leads major fuel supplier"},"display_date":"2024-11-29T06:00:00Z","headlines":{"basic":"Meet the woman on a mission to heat Ireland’s homes and slash emissions","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"KIDZGMFUEJE5JMH4B5FYHMOCYM","auth":{"1":"b9c289ffc2b38cf151f0683af0554187aa00658acf8e17338387c3084b595bb6"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/KIDZGMFUEJE5JMH4B5FYHMOCYM.JPG"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/29/meet-the-woman-on-a-mission-to-heat-irelands-homes-and-slash-its-emissions/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"HWWZMVOPDRCNFGY2WYBV6MRREA","additional_properties":{"audio_duration":256,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/ff28f074-7ab6-4bf3-95af-e460621eef2b/versions/1732825171/media/594a17fbeb549557a8224a73bcd4190b_compiled.mp3"},"canonical_url":"/business/2024/11/29/cie-group-warns-scale-of-its-pension-contribution-facing-increase-to-unsustainable-levels/","content_elements":[{"_id":"MGUF26RJYVH23JFC4UVKXTQQGU","additional_properties":{"_id":1732806834778},"content":"","type":"text"},{"_id":"LJR3TWBL45AXBL3P5Q6UQUBUEM","additional_properties":{"_id":1732806834779},"content":"The scale of pension contributions the <a href=\"https://www.irishtimes.com/tags/cie/\" target=\"_blank\">CIÉ Group</a> will have to make in future will increase significantly to unaffordable levels, based on actuarial projections, the chairman of the State-owned transport group has warned the Government.","type":"text"},{"_id":"GA472EJ47VDN5JXEURFQXUJXB4","additional_properties":{"_id":1732806834780},"content":"Aidan Murphy told Minister for Transport <a href=\"https://www.irishtimes.com/tags/eamon-ryan/\" target=\"_blank\">Eamon Ryan</a> that the board wanted to transition over time to a single defined-contribution scheme across the group which includes <a href=\"https://www.irishtimes.com/tags/dublin-bus/\" target=\"_blank\">Dublin Bus</a>, <a href=\"https://www.irishtimes.com/tags/bus-eireann/\" target=\"_blank\">Bus Éireann</a> and <a href=\"https://www.irishtimes.com/tags/irish-rail/\" target=\"_blank\">Irish Rail</a>.","type":"text"},{"_id":"XCOC3CGEUZD7ZHOZC2P4KPCUOY","additional_properties":{"_id":1732806834781},"content":"The company in recent weeks has commenced talks to trade unions on pension reforms. It told the Minister the existing two pension schemes in the group had a combined deficit of €371 million last year.","type":"text"},{"_id":"5BSNDJLNUBEJVDQRNHXAH4AFXQ","additional_properties":{"_id":1732806834782},"content":"The Irish Times understands that an options paper, considered by the board in September, looked at closing the existing schemes to new members. It also suggested that future pay talks be deferred until pension reforms were implemented or that any rises would be non-pensionable.","type":"text"},{"_id":"MK3WZINCQZGQVMPVI4IGSTCIN4","additional_properties":{"_id":1732806834783},"content":"The paper was withdrawn subsequently to allow for negotiations with trade unions.","type":"text"},{"_id":"GZLF33P3BRGIZJJ53F24IU2K44","additional_properties":{"_id":1732806834784},"content":"CIÉ Group is worried about the impact of rising staff numbers and unchanged benefit arrangements on its future liabilities. The group employs more than 12,500 people including contractors and there are more than 10,000 active members in the schemes.","type":"text"},{"_id":"CKZ3LIVZLZHUHOBAIFK5EWVWWI","additional_properties":{"_id":"OVDAPGH5AVHB3JPDTE5PWQEUAQ"},"content":"Crunch time looms for CIÉ pensioners as they voice fears for the future","type":"interstitial_link"},{"_id":"6Z4YFHZUURCFDP6EDXJCQ22KQY","additional_properties":{"_id":1732806834785},"content":"The group is also concerned at the implications arising from a recent <a href=\"https://www.irishtimes.com/tags/high-court/\" target=\"_blank\">High Court</a> judgment in relation to the schemes.","type":"text"},{"_id":"5BUCXDAQNJBX7ON6K22OXNCD4U","additional_properties":{"_id":1732806834786},"content":"At the same time the company and the Government have been coming under strong pressure from retired personnel who argue they are facing falling living standards as their pensions have been frozen for 15 years.","type":"text"},{"_id":"G2FCZRZ3RBCEBMFLGEVQ7IA6SE","additional_properties":{"_id":1732806834787},"content":"In a letter to trade unions in October the company warned that any change to employer pension costs would “have a significant impact on the CIÉ Group, including on the competitiveness of Dublin Bus and Bus Éireann in the context of direct contracts to run services awarded by the National Transport Authority or any future route tendering arrangements.","type":"text"},{"_id":"6KSA4I475REYXHNZLKNAMZKK7U","additional_properties":{"_id":1732806834788},"content":"It said Irish Rail was also “not immune from having future funding difficulties”.","type":"text"},{"_id":"T4USTTNKVNENRJQCSW27YCM7GY","additional_properties":{"_id":1732806834789},"content":"The CIÉ Group told The Irish Times that the pension liabilities at present at an estimated €2.7 billion were “bigger than the annual turnover of the group of €1.6 billion”.","type":"text"},{"_id":"ZKUO75L56NHQZPLUGYIYDSLABM","additional_properties":{"_id":1732806834791},"content":"It said the pension liability risk had come into sharper focus as the solvency obligation rule for both CIÉ pension schemes was now more onerous following the recent High Court judgment in the legal proceedings instituted by the committee of one of schemes – known as the 1951 superannuation scheme.","type":"text"},{"_id":"YM4LZ257WRAGZCCUB2IAJ6L7SM","additional_properties":{"_id":1732806834792},"content":"“Within that engagement, both the CIÉ Group and the trade union group are extremely mindful of the frustration of pensioners across both schemes whose pensions have not been increased since 2008. However, pension increases can only be contemplated if those increases can be sustainably funded by the schemes.”","type":"text"},{"_id":"PXG7E3KKLNF3ZPJOUL3P7JXGA4","additional_properties":{"_id":1732806834793},"content":"The CIÉ Group said in a statement that while a representative body for pensioners had a report which concluded, based on certain assumptions, that the CIÉ superannuation scheme could sustain an increase to pensioners of 2.6 per cent annually for the next 10 years, these findings were contradicted in a paper from the scheme actuary. It said that Aon concluded that the 1951 scheme could not sustain pensioner increases.","type":"text"},{"_id":"RZOOI46SHNCTNHKIEBJX57IMRA","additional_properties":{"_id":1732806834794},"content":"“Given the contradictory advice, the CIÉ board asked Mercer to independently review both papers and their report was received in May 2024, which concluded that it was “difficult to see how the [CIÉ] board, acting prudently, could consent to the award of discretionary pension increases”.","type":"text"},{"_id":"JXSDPHAE3BH2RHMYMXQOFICNZU","additional_properties":{"_id":1732806834795},"content":"“Ultimately the board of CIÉ cannot place both schemes in a position where pension increases (which become an immediate ongoing liability of the scheme, and which are largely protected in the event of a scheme wind-up) compromise the funding position of the scheme with respect to its statutory requirements. This would place the accrued benefits of active and deferred members at risk. Increases to pensions in payment cannot be awarded until such a time as the funds have sufficient capacity to bear the increased liability.”","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{"_id":1732806834796},"type":"list"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Martin Wall"}},"name":"Martin Wall"},{"additional_properties":{"original":{"byline":"Emmet Malone"}},"name":"Emmet Malone"}]},"description":{"basic":"Company concerned High Court ruling means solvency requirement more onerous for it and employees while pensioners press for end to 15-year pension freeze"},"display_date":"2024-11-29T05:00:00Z","headlines":{"basic":"CIÉ Group warns its pension bill set to increase to unsustainable levels","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"YBCDUVNWFNHMFHQPE5CT7FHDTU","auth":{"1":"19f5a459019edf57b074b583f79fcfd09d1023a5e4c41d890dc1d716b0024d42"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/YBCDUVNWFNHMFHQPE5CT7FHDTU.JPG"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Work"}]},"type":"story","website_url":"/business/2024/11/29/cie-group-warns-scale-of-its-pension-contribution-facing-increase-to-unsustainable-levels/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"2LWUQHIZJZAXPIOLHCIEQFCMQA","additional_properties":{"audio_duration":717,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/2c2baec7-5d57-4a98-bbc2-bbec82efd2c8/versions/1732792818/media/3ced5ff838ca454b6f3cfc8ba6c6224c_compiled.mp3"},"canonical_url":"/business/2024/11/29/crunch-time-for-cie-pensioners-as-they-voice-their-fears-for-the-future/","content_elements":[{"_id":"AWGDFGO3WVF4XMXNXIBSHNSXWQ","additional_properties":{"_id":1732783630520},"content":"Speaking after the Budget in October, the Minister for Social Protection Heather Humphreys said the Government had a “big focus on supporting older people – people who have worked hard all their lives”.","type":"text"},{"_id":"HPJTTFKIMREIBDXNPB27EXKXPQ","additional_properties":{"_id":1732783630522},"content":"The Government had provided a €12 increase per week in the State pension. “I don’t want any older person afraid to turn on their heating,” Ms Humphreys said.","type":"text"},{"_id":"MJO7NS4KZRCADBYSFH4V3LRV5Y","additional_properties":{"_id":1732783630524},"content":"Yet those representing staff who worked for the State transport companies maintain that hundreds of retired workers are already “effectively living in poverty”, as their pensions have been frozen for more than 15 years.","type":"text"},{"_id":"S2V2SYA5LVHZDMO3LSRMPYTJRA","additional_properties":{"_id":1732783630525},"content":"The pensioners’ group says hundreds of former CIÉ workers are struggling to survive because they have not received an increase to their pensions since 2008 and are not entitled to State benefits.","type":"text"},{"_id":"BOEHIMNFEJFT3NTMSZOJDQZQGI","additional_properties":{"_id":1732783630526},"content":"The CIÉ group, which comprises Irish Rail, Dublin Bus and Bus Éireann, operates two pension schemes – one known as the 1951 scheme and another known as the regular wages scheme.","type":"text"},{"_id":"5X5BNM5DXNET5IK57HUUBIV2CE","additional_properties":{"_id":1732783630527},"content":"The company maintains that the schemes are the only ones in the semi-State sector that are in deficit while remaining open to new members.","type":"text"},{"_id":"5B64SU7QYREZJPAJ2LAYXB34VY","additional_properties":{"_id":1732783630528},"content":"However, official correspondence shows that the board is worried at the impact of a growing workforce and unchanged retirement benefits on the projected pension liabilities for the group.","type":"text"},{"_id":"P72BRRYCLNFCBEPC3CPL7LG4Z4","additional_properties":{"_id":1732783630529},"content":"Some informed sources maintained that the CIÉ group currently has a turnover of about €1.6 billion and pension liabilities of about €2.7 billion. However there are projections that in ten years, the liabilities could reach €4 billion.","type":"text"},{"_id":"SHHC4VZFF5FRLAXNPO3S4DDT2I","additional_properties":{"_id":1732783630530},"content":"CIÉ chairman Aidan Murphy told Minister for Transport Eamon Ryan in September that the schemes had a deficit amounting to €371 million at the end of last year.","type":"text"},{"_id":"VKME22RXFFACXKLI5M3RM3ZBJY","additional_properties":{"_id":"ACISM6MX7NHUNGKLZYGBKPW3JU"},"subtype":"pullquote","type":"quote"},{"_id":"RYNQGVF4RND7ZDWBNSJSEQZNAA","additional_properties":{"_id":1732783630531},"content":"“The pension deficit continues to be a big concern for the CIÉ group”, he said.","type":"text"},{"_id":"R6JNFXIVPZHSBJFSFQGVDHSFYU","additional_properties":{"_id":1732783630532},"content":"The CIÉ board is also worried that actuarial calculations suggest the employer contribution in the future could “increase significantly to levels that are unaffordable to the group”.","type":"text"},{"_id":"EREQ2EEKDBGVNE5US7FDWJ3UQU","additional_properties":{"_id":1732783630533},"content":"Earlier this year, Murphy’s predecessor Fiona Ross warned Ryan that pensions remained “a critical challenge”.","type":"text"},{"_id":"DHX3QI63GRESLO4CMYTGPCIKAM","additional_properties":{"_id":1732783630534},"content":"She said the big issue with the pension schemes was the size of liabilities that was “too big compared to the economic value of the Group”.","type":"text"},{"_id":"5J4YZHUW25EABM27CQPJALWYNY","additional_properties":{"_id":1732783630535},"content":"“Unless action is taken an investment or market shock may require unaffordable remedial action necessitating benefit cuts due to the requirements of the Pensions Act or because benefits promised are too expensive to pay”.","type":"text"},{"_id":"GKWW5GZTVJHALMMG5NEUM6OPBU","additional_properties":{"_id":1732783630536},"content":"Far from potential benefit cuts, retired personnel and trade unions are pressing for increases, arguing that the real value of pensions have been eroded as prices have risen in recent years.","type":"text"},{"_id":"XMEEDQMGEVD63HUCY474OCIDRQ","additional_properties":{"_id":1732783630537},"content":"Retired transport staff and their representatives have staged protests and have lobbied politicians to put pressure on Ryan about the pension freeze. The Department of Transport said in October that it had received roughly 160 Freedom of Information requests about the pension issue.","type":"text"},{"_id":"ULHUEHC7XZFK5GDC77BHTVASTQ","additional_properties":{"_id":1732783630538},"content":"Ryan has told the Dáil that an increase for pensioners would only be possible when the schemes were capable of sustaining such increases.","type":"text"},{"_id":"C5HL67XVYZGXBHG4A2YN4OO6II","additional_properties":{"_id":1732783630539},"content":"The CIÉ Salaried Pensioners Association, which represents some 2,200 of the group’s former employees, says several hundred of those now have incomes that fall short even of the State non-contributory pension of €266, with none of the additional automatic entitlements or some allowances provided by the Government.","type":"text"},{"_id":"HD3VNYTQ7VF4JJKLCU4UBC2UFY","additional_properties":{"_id":1732783630540},"content":"Those worst affected, says the association’s secretary, Bernie Tierney, are predominantly older members, many of them women. A significant number of them, she says, are effectively living in poverty, having seen already modest pensions devalued over the course of the last 16 years, particularly more recently as fuel prices spiked and other cost increases caused inflation to jump up.","type":"text"},{"_id":"LM2RK5LWN5FR7ENCOZP3LTAVVI","additional_properties":{"_id":"GCI762L6UNEDVBX5EJXXEJQ5YQ"},"subtype":"pullquote","type":"quote"},{"_id":"HNWDXJOWAREOTFXVL3O5RKCZFE","additional_properties":{"_id":1732783630541},"content":"“The expectation was that you would get an increase every year because that’s what always happened, but then that changed, and people have been left in a situation where their lives now are a lot harder than when they were working. Some of them can’t afford to heat their homes properly, but then they can’t afford to go out either,”she says.","type":"text"},{"_id":"TE647T4UWRAIDGKE2BMCJNZBHA","additional_properties":{"_id":1732783630542},"content":"Murphy told the Minister in September that the CIÉ board was “acutely aware of the challenge for pensioners . . . Unfortunately, the fragile funding positions of the schemes and the large FRS balance sheet deficit are significant obstacles to addressing this”.","type":"text"},{"_id":"7S45XZQNGNBNZHHWELS6UQIAYE","additional_properties":{"_id":1732783630544},"content":"“The board is also mindful of the need to provide public transport services as efficiently as possible, to deliver value for money for the Exchequer and to ensure the financial sustainability of the Group.”","type":"text"},{"_id":"N7GV365QRFBMFLE3AHV54N5DY4","additional_properties":{"_id":1732783630545},"content":"The pensioner group says those most acutely affected started work with the company before 1995 and paid only Class D PRSI contributions, something that left them without the entitlement to the State pension.","type":"text"},{"_id":"67VUZIAUXNCS5JPTL74ODRDLWY","additional_properties":{"_id":1732783630546},"content":"Ms Tierney says that while the consumer price index had increased by about 21 per cent since 2008, the State pension had gone up by 24 per cent and staff pay, to which the pensions were previously linked, had risen by 30 per cent since 2016. Still, the Class D pensions have remained entirely unchanged.","type":"text"},{"_id":"H4OBIBWVNBCLFPU7KJPD75ZG3I","additional_properties":{"_id":1732783630547},"content":"The 1951 scheme is effectively for managerial and clerical staff. It is a defined-benefit arrangement, based on 40 years’ service, and the pension payment involves 50 per cent of final salary and a lump sum of one and a half years’ pay.","type":"text"},{"_id":"TN2M6BM2O5C3BOSDTAHUTI2XGU","additional_properties":{"_id":1732783630548},"content":"The regular wages scheme is based on 30 years of service, and provides for 20 per cent of final salary. In addition, there is a lump sum of 125 per cent of final salary.","type":"text"},{"_id":"MS3YAYXYKBHJDEEFVER6XI2BRI","additional_properties":{"_id":1732783630549},"content":"At present, the employer makes a contribution of €245 for every €100 from staff in the regular wages scheme, and €340 for every €100 in the 1951 scheme.","type":"text"},{"_id":"SGZEBXDRBZB63KAD34PDY3AQYI","additional_properties":{"_id":1732783630550},"content":"The employer pension costs last year amounted to €67 million. With growing staff numbers, this is expected to increase to €75 million this year.","type":"text"},{"_id":"C43YVQA2GVDH5FXSQQZ32OU5RI","additional_properties":{"_id":"N5XGTXFN2RG5VHJBWX5W2Z4KPI"},"subtype":"pullquote","type":"quote"},{"_id":"LECBDSH4MVGSLEAGKPBXPZFKM4","additional_properties":{"_id":1732783630551},"content":"The actuarial valuation report for the 1951 scheme, dated September 30th, says that the employer contribution as a percentage of pensionable salary – relative to an average employee rate of circa 6.9 per cent – represented a multiple of 3.4. It said this translated into a contribution rate of 23.3 per cent of basic payroll.","type":"text"},{"_id":"6VSVKDXSRNG6PB5JZJYTBPVXKQ","additional_properties":{"_id":1732783630552},"content":"It says that the contribution rate required to meet the future service benefits is an employer multiple of 2.89 times member contributions – 19.7 per cent of pensionable salaries annually. However, it says there is also a past service deficit of €229.1 million. It says combined future service rate and past service deficit adjustment would involve an employer multiple of 4.2 – or 28.7 per cent.","type":"text"},{"_id":"PBDHCUSA6BFNTC3SXADZML625I","additional_properties":{"_id":1732783630553},"content":"The report says it was advised by the board “that this level is unaffordable”.","type":"text"},{"_id":"MRYXW36RGRDWVLVFRJKZZP6UPA","additional_properties":{"_id":1732783630554},"content":"In May 2021, trade union members in the CIÉ companies voted to accept reforms put forward by the Labour Court. These proposed a new minimum age of retirement of 63 for those under the age of 60.","type":"text"},{"_id":"OC3LBGNSONFOZO5PH4766UMNM4","additional_properties":{"_id":"UTGSIO4SSBCB7G2F7ODOUZH62Q"},"subtype":"pullquote","type":"quote"},{"_id":"YHRDYDTSQZDYLGQGBDTULW4GJQ","additional_properties":{"_id":1732783630555},"content":"Those wishing to retire before 63 could do so, however, by paying a contribution from their lump sum. Their pension in such circumstances would not be discounted. The scheme would remain open to new entrants, but pensions would be based on career average earnings.","type":"text"},{"_id":"LHIZ7UEXSRGLRDKFWBMCGZKRTE","additional_properties":{"_id":1732783630557},"content":"However, implementation of the changes was delayed as a result of a legal case brought by the committee of the 1951 scheme, over its rules regarding funding and solvency.","type":"text"},{"_id":"BZU2GBV7VVFHPACRUISHOKT6Y4","additional_properties":{"_id":1732783630558},"content":"Judgment in the case was delivered in April this year, and in the intervening three years, staff continued to be employed on the previous pension terms. The company also believed the ruling had implications for the affordability of the schemes.","type":"text"},{"_id":"JBHBAM6WMBGF5AXHTERUXU6YP4","additional_properties":{"_id":1732783630560},"content":"On October 2nd, the company told the group of trade unions that the solvency obligation rule in the 1951 scheme (and in the regular wages scheme) was now “more onerous” on both the company and employees.","type":"text"},{"_id":"FGVTZZDVHBCDJBMJC7ERJPSJHI","additional_properties":{"_id":1732783630561},"content":"It said following the ruling that the statutory funding standard must now be met “at all times”, and must also include future benefits.","type":"text"},{"_id":"FXK6O77K25EDRPYPQOTDDMYVEY","additional_properties":{"_id":1732783630562},"content":"It added: “The judgment also confirms that solvency is unequivocally a shared burden with employees. The statutory funding standard measures the ability of the scheme to pay accrued benefits at a point in time ‘were the fund to be wound up’. While previously funding on an ‘ongoing basis’, the long-term sustainability of the scheme was paramount, the judgment now means that both the company and staff must maintain the scheme in a position to be wound up. To assert that the scheme is ‘fully funded’ means essentially that the scheme meets the minimum financial criteria to be wound up and does not meet the obligations for future accruals.”","type":"text"},{"_id":"B5OSKPFOTVDPDHVWYGINJB3HPQ","additional_properties":{"_id":"XAYAW7C6PFHNBAOY7XP7WYY5EA"},"subtype":"pullquote","type":"quote"},{"_id":"XL4PITPSPNFL3G3IN7K6VLQFZ4","additional_properties":{"_id":1732783630564},"content":"The company maintained that “in essence, the extremely expensive Court case has clearly demonstrated that spending millions in schemes’ funds was an exercise in futility”. It said the process had delayed for years the implementation of the most modest of changes.","type":"text"},{"_id":"AKRE53IV6FFPTPYV7GBR7OAN4I","additional_properties":{"_id":1732783630565},"content":"The company letter followed a lengthy board discussion on September 11th at which it considered several options for reform of pension arrangements but subsequently decided to commence talks on the issues with trade unions.","type":"text"},{"_id":"PBUXB7TKRJFKBDABX65KYUIX2Q","additional_properties":{"_id":1732783630566},"content":"Among the proposals considered in the now-withdrawn options paper was to close the defined benefit pension scheme to new entrants, to establish a single defined contribution arrangement for new employees, to identify other changes to manage costs, and to defer negotiations on future pay talks until “necessary pension changes are implemented” or that pay rises should be made non-pensionable.","type":"text"},{"_id":"N7TIT5VLEZBKZHH27P4PYJEM2U","additional_properties":{"_id":1732783630567},"content":"Unions told members last week that they did not agree with the company proposals: “Whilst CIÉ has its agenda, the trade union group remains resolute in ensuring that sustainable increases for pensions in payment will be top of our agenda.”","type":"text"},{"_id":"BIP6SH54JBGCXHCDLTXPSU6LVQ","additional_properties":{"_id":1732792205187},"content":"’When inflation was very high, our pensions didn’t keep up with it’","type":"header"},{"_id":"5DQOEFP66RDZBBNWCQGV3RS64Q","additional_properties":{"_id":1732783630571},"content":"Retired staff in other State-owned firms maintain their living standards have been eroded as a result of measures taken to control costs in their company pension funds.","type":"text"},{"_id":"XPPF56HNJRD57NCYL2INTTTOZ4","additional_properties":{"_id":1732783630572},"content":"Members of An Post pensioners group will protest in Cork on Friday to publicise their call for a review of measures adopted more than a decade ago to address funding shortfalls in their scheme, something they say has been successfully achieved in no small part because of their sacrifice.","type":"text"},{"_id":"BZ5X5EMQXFACPFDO5MKUHX7NPU","additional_properties":{"_id":1732783630573},"content":"Paul Moreland, chair of Post Office Pensioners United, says more than 7,000 An Post pensioners lost ground on State pension recipients and current staff at the company over the course of a 10-year agreement intended to address a pension fund deficit.","type":"text"},{"_id":"QPWZCRUKOJA53NIUJKDAW4BB4A","additional_properties":{"_id":1732783630574},"content":"“The way it worked was, there are three options for calculating increases and whichever of them produced the lowest result, that’s what we got,” he said. “If inflation was zero, then we got nothing, but through the years there when inflation was very high, our pensions didn’t keep up with it: the most we could get of an increase was 2 per cent”.","type":"text"},{"_id":"JTY4RCOI6BCZRORQET6BOQMMRA","additional_properties":{"_id":1732783630575},"content":"More recently, the pensioners did get a higher increase as part of a wider agreement between management and the main union at the company, the CWU, but Mr Moreland remains critical and says he has written to new An Post chairman Kieran Mulvey seeking a review of the situation.","type":"text"},{"_id":"2EKDZO2LWRFC5LKZ7GDW7ZDWSY","additional_properties":{"_id":1732783630576},"content":"Mr Mulvey recently told an Oireachtas committee the company pension scheme was “in rude good health and has an €500 million surplus”. He committed to looking at the concerns raised by pensioners.","type":"text"},{"_id":"VVYPHXB5DZE2XN4STBF26OL76Y","additional_properties":{"_id":1732783630577},"content":"In the case of the ESB, there are about 9,000 retired members of the defined benefit scheme. This closed to new members in 2010 when, according to Tony Collins, retired chair of the ESB Retired Staff Association, existing pensioners had an agreement between management and unions representing then current staff imposed on them without consultation.","type":"text"},{"_id":"UFE5YZWGXBH4PJJCB76E3ZAQ5Y","additional_properties":{"_id":1732783630579},"content":"He says the people his group represents have lost out as a result, with a previous link to staff salary increases abandoned and increases for pensioners running at only slightly over half those for serving staff, about 14 per cent compared to about 25 per cent, in the years since.","type":"text"},{"_id":"R7P75IMSEFEK3ECM642SOQECJY","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Martin Wall"}},"name":"Martin Wall"},{"additional_properties":{"original":{"byline":"Emmet Malone"}},"name":"Emmet Malone"}]},"description":{"basic":"Retired personnel say their living standards are being eroded, with some facing poverty as their pensions have been frozen for 15 years"},"display_date":"2024-11-29T05:00:00Z","headlines":{"basic":"Crunch time looms for CIÉ pensioners as they voice fears for the future ","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"D3MKMPHFM5M3BGHG4ZXCO7KRN4","auth":{"1":"dd95a982437645388bc60756b90c3c06dd78c20147394dd28025fbaa4f66e75d"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/D3MKMPHFM5M3BGHG4ZXCO7KRN4.jpg"}},"subtype":"feature","taxonomy":{"sections":[{"name":"Business"},{"name":"Work"}]},"type":"story","website_url":"/business/2024/11/29/crunch-time-for-cie-pensioners-as-they-voice-their-fears-for-the-future/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"YVS7SF5BBRHXFPY3LHNYY4BXX4","additional_properties":{"audio_duration":179,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/b4ce5e7f-7e2a-4183-b2ea-62a8aaa0cbac/versions/1732827743/media/9564db8ebeaa524f8c42af9792ffcc70_compiled.mp3"},"canonical_url":"/business/2024/11/29/wayflyer-named-as-fastest-growing-technology-company-in-deloittes-annual-ranking/","content_elements":[{"_id":"B62A3GMYKJGNFHIRVUL5NJ7RYI","additional_properties":{"_id":1732816763751},"content":"","type":"text"},{"_id":"HO7FO27WCJAQBKXFBNK7HP47PA","additional_properties":{"_id":1732825219166},"content":"Irish tech company <a href=\"https://www.irishtimes.com/tags/wayflyer/\" target=\"_blank\">Wayflyer</a> has been named as the fastest-growing technology company in <a href=\"https://www.irishtimes.com/tags/deloitte/\" target=\"_blank\">Deloitte</a>’s annual ranking.","type":"text"},{"_id":"M2YK3R7RFJADJOJQSTJTSF5LYM","additional_properties":{"_id":1732816763752},"content":"The company, which provides ecommerce stores with affordable unsecured loans to allow them to fund advertising and inventory in advance of selling items, topped the Deloitte 2024 Technology Fast 50 awards. The shortlist included companies such as cybersecurity business Siren, payments company CleverCards and healthcare platform Spectrum.Life.","type":"text"},{"_id":"OOJI3VFVDZFAFNUD2MBSG7IYNM","additional_properties":{"_id":1732816763753},"content":"The ranking of Ireland’s 50 fastest-growing technology companies is based on revenue growth, measured over a four-year period. The programme, which promotes innovation and entrepreneurship in the Irish indigenous tech sector, is in its 25th year. Previous winners include fellow unicorn LetsGetChecked, Swoop and Buymie.","type":"text"},{"_id":"NO7PEH4WRFEF3K6PPWEKTGNLCI","additional_properties":{"_id":1732816763754},"content":"Aidan Corbett, chief executive and co-founder of Wayflyer, said the award was an “incredibly proud moment” for the team.","type":"text"},{"_id":"FWXBNNRKURAOXIWBG3O2HFXCGA","additional_properties":{"_id":1732825219170},"content":"“This recognition reflects the work we have put in since 2019 to provide funding to consumer brands, helping them solve problems that constrain their growth,” he said. “The truth is, we’re only just getting started.”","type":"text"},{"_id":"RPVYPWO6X5A4XLE34M7P6WQUZE","additional_properties":{"_id":1732816763755},"content":"The 2024 winners generated €1.4 billion in total annual revenue, employing more than 6,000 people, with the average growth rate for the companies at 572 per cent compared with four years ago.","type":"text"},{"_id":"2PRGFNAUD5BRJBPFZ3UJCHMC4E","additional_properties":{"_id":1732816763756},"content":"“While Ireland has solidified its reputation as a global hub for technological excellence, the true highlight has been the remarkable growth of home-grown tech talent. Over the past 25 years the Fast 50 programme has been at the heart of this story, championing the innovation and ambition of indigenous tech companies in Ireland,” said James Toomey, partner and Fast 50 lead at Deloitte.","type":"text"},{"_id":"4QI6YYCSVVA3NBZ7SSKDH5YO3E","additional_properties":{"_id":1732816763757},"content":"“Wayflyer’s achievement highlights the importance of local companies driving direct domestic investment and proving their prowess on a global stage.","type":"text"},{"_id":"PQLICN534FC65GGY54SWYKVVPE","additional_properties":{"_id":1732816763758},"content":"“The Fast 50 rankings are a badge of honour, offering trusted recognition based on four years of revenue growth. This credibility distinguishes the programme and not only identifies the tech leaders of tomorrow but signals their readiness to scale globally.”","type":"text"},{"_id":"SEW5DJ47CNHVJEP5YUZ4YLNTRM","additional_properties":{"_id":1732816763759},"content":"Alchemy was named winner of the “growing new technology” category, while Louella Morton, cofounder of TestReach, was awarded the advocate for women in tech award. The impact award, which recognises a company that has made a significant impact within the current year, went to Catagen, and Kneat picked up the scale-up award. 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He said the case could come back next month when the court would hear an application for an extension of the injunction until the full case is heard.","type":"text"},{"_id":"JUX7ETEVQFFYXJQLWNSJTA6HKY","additional_properties":{"_id":1732815998847},"content":"In his affidavit grounding the injunction application, Cabot director Mr Webb said the firm holds personal and corporate information on its IT system along with identification documentation, corporate, commercial and employee data.","type":"text"},{"_id":"4YZBYZEVYVBG5MO2HSE636556A","additional_properties":{"_id":1732815998848},"content":"In the last two weeks of September, Cabot became concerned at suspicious activity on its systems and a number of technical steps were taken to respond, he said.","type":"text"},{"_id":"4UGWSY6MOJGHJIVPFAF2DIUQ24","additional_properties":{"_id":1732815998849},"content":"It then engaged an incident response team to commence a thorough investigation supported by cyberattack expert Mandiant and external counsel.","type":"text"},{"_id":"SR3NEOBYZVCILKHO26F5YUJFPQ","additional_properties":{"_id":1732815998850},"content":"On October 4th, Mandiant reported a data theft. It was discovered that, on September 17th, a command was made to back up files to an external IP address.","type":"text"},{"_id":"IH4DSWMGDFCEXNU3KB5HTT7NL4","additional_properties":{"_id":1732815998851},"content":"Mr Webb said that between September 17th and 18th, “event logging” on its system recorded the back-up utility accessing 393,984 files. 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Ms Cunningham said it was “recognition” of the Shorla “team” and its “efforts, of them going above and beyond every day”.","type":"text"},{"_id":"LFWDUP2EBREJJNNB3GEGRP3ETE","additional_properties":{"_id":1732826678967},"content":"Ms Ryan said the company has recently received “several approvals of drugs” that Shorla is preparing to launch in the new year.","type":"text"},{"_id":"3ZG3QJWILNGYXP34KWBGSOUFMU","additional_properties":{"_id":"K7HKVERRORH3FI5KUVHVKFCXYM"},"content":"Ivor Queally wins International Entrepreneur of the Year at EY awards","type":"interstitial_link"},{"_id":"PYGHZ4XASVCH7M5BCM7ITI2WNY","additional_properties":{"_id":"FDFNJS3JK5DQRJUVSOXRPZKYIM"},"content":"Siblings behind Galway space laser firm Mbryonics named EY Established Entrepreneurs of the Year","type":"interstitial_link"},{"_id":"KZDPDJF5PVFKJBM6Q5JDXTT5AY","additional_properties":{},"content":"Earlier this year, Ms Cunningham and Ms Ryan told The Irish Times that Shorla has raised a total of $45 million to expand its pipeline of treatments. 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State’s largest telco, <a href=\"https://www.irishtimes.com/tags/eir/\" target=\"_blank\">Eir</a>, has agreed to pay a fine of €2.8 million for failing to allow other companies access to documentation about its infrastructure.","type":"text"},{"_id":"46JMKHBD4VBMFIOLJ32EO4UTAM","additional_properties":{"_id":1732820419929},"content":"Rival companies use Eir’s network – poles, ducts, chambers – to roll out their own cable technologies and the former State monopoly is obliged by law to give them access.","type":"text"},{"_id":"G7FVJ5M3W5AMNHFJ6CXVUEB7AU","additional_properties":{"_id":1732820419930},"content":"To facilitate this, Eir is required to provide access to its passive access records (PAR), which contain the location, physical characteristics and current use of the infrastructure – vital information for companies wishing to use the network.","type":"text"},{"_id":"FMAI332Q2VG5VME5IPHH4USU5U","additional_properties":{"_id":1732820419931},"content":"Following a five-year 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Queally, chief executive of QK Group South Africa, was named best international entrepreneur at the annual EY Entrepreneur of the Year (EoY) awards on Thursday evening.","type":"text"},{"_id":"TZMOFXREHNGF3P67SDUTLGJMZM","additional_properties":{"_id":1732807267087},"content":"Mr Queally runs the South African arm of his family’s agribusiness group, one of the biggest meat processing and cold storage operators in southern Africa.","type":"text"},{"_id":"WJO2XLBUTNCPHP47TC4EB6TIJ4","additional_properties":{"_id":1732819784085},"content":"He is also a director of the wider Irish-based Queally Group, a food industry behemoth, which includes well-known brands like Dawn Meats and Irish Dog Foods.","type":"text"},{"_id":"GKDA3NMWFFF4TDJHVXQA5X7UGQ","additional_properties":{"_id":1732807267088},"content":"Founded in 2004, QK Group South Africa operates across a number of different sectors from meat processing, cold storage and warehousing, frozen foods manufacturing, pet food manufacturing 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John and David Mackey, the siblings behind Galway-based laser system company Mbryonics, were named best established entrepreneurs at the annual EY Entrepreneur of the Year (EoY) awards on Thursday.","type":"text"},{"_id":"QZBPBIKE25HLZM4AVRLNRTTB7Y","additional_properties":{"_id":1732816382026},"content":"The space tech company, which specialises in optics and photonics for use in satellite communications, datacoms and the 5G wireless sectors, recently secured a €17.5 million investment from the European Innovation Council (EIC) Accelerator.","type":"text"},{"_id":"HHTUYB645RBRRM6IISDYILYYJE","additional_properties":{"_id":1732816382027},"content":"Founded in 2014, the company announced in March that it plans to use the investment to create a significant manufacturing facility in the west of Ireland, concentrating on free-form optics and photonic integrated circuits manufacturing techniques with a view to advancing process efficiency, supply chain management, and 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Mary Fay BL, appearing for Coca Cola instructed by Arthur Cox solicitors, told the WRC the job Ms Deveney previously occupied had “just grown to such an extent it would not be reasonable to expect one person to do all the duties” and that the position had to be “split”.","type":"text"},{"_id":"QHFILAWR75A4FF36VHDQNTRZFI","additional_properties":{"_id":1732817171705},"content":"Ms Deveney’s evidence was that she had been absent for one year and 21 days on the day she was to go back to work on 22 January this year, owing to pregnancy-related health issues.","type":"text"},{"_id":"JGS7EMT525GPJDMEADOWIS6324","additional_properties":{"_id":1732817171706},"content":"She said the first she was told she would not be going back in as premium spirits marketing manager was at the end of a call the Friday afternoon before her return with the director of her division and her line manager, Johnny Scott.","type":"text"},{"_id":"FH7W4ZNKYRDOXL3XLTEQW3IYLI","additional_properties":{"_id":1732817171707},"content":"“I was a bit nervous about going back. There hadn’t been anything set up,” Ms Deveney said. She said she felt Mr Scott “had something to tell me that he didn’t want to” on the call. When she asked at the end of the conversation what he wanted her key objectives to be, she said Mr Scott’s response was: “Oh, about that. You won’t be returning to your role. We’re looking for you to return to a new role.”","type":"text"},{"_id":"F7PGQDZ3WVFWXDPRL5RVAVGQ7Q","additional_properties":{"_id":1732817171708},"content":"“He didn’t know the [job] title at the time. I thought at the time it sounded like a demotion,” Ms Deveney said.","type":"text"},{"_id":"6VXUEC6DBRHFJF27NIJZ3ONP5A","additional_properties":{"_id":1732817171709},"content":"She said the position outlined to her by Mr Scott involved a move to a bigger department and would put her reporting to a manager. Her evidence was that in her pre-maternity leave job she reported to director level in the organisation.","type":"text"},{"_id":"PY36N2YEKNGV3GESSCIUDJSPWA","additional_properties":{"_id":1732817171710},"content":"“He said it would be good experience,” Ms Deveney said.","type":"text"},{"_id":"HKKOL7MGZJDV5PWWIP5TSHJ6QE","additional_properties":{"_id":1732817171711},"content":"The complainant said her response was: “Listen I’m not going to throw my toys out of the pram,” and that she asked for the job specification. “Obviously, I’m pretty side-balled. I thought I was getting my job back,” she said.","type":"text"},{"_id":"HNVD5Y5Z4RBM3E6OK5M2X2PPWI","additional_properties":{"_id":1732817171712},"content":"She said Mr Scott told her they would sit down and discuss the position when she was back in the office on Monday, January 2nd. The complainant said she expected to see a job spec to review over the weekend, but that this was not forthcoming and that Mr Scott told her on her first day back he was “too busy”.","type":"text"},{"_id":"WYTY7OM6LVBKNP7KY564ZKZDUE","additional_properties":{"_id":1732817171713},"content":"Ms Deveney said the next time she and Mr Scott spoke was at a wider team meeting at 3.30pm that same day. “Johnny started the call and said it was brilliant that I was back, that I was taking the premium spirits role and moving to [the other] team.”","type":"text"},{"_id":"BQ32DXOHLBF3DECSTM2BQBQS2I","additional_properties":{"_id":1732817171714},"content":"“Nobody seemed surprised or asked a question. It seemed like everyone knew this was happening,” Ms Deveney said.","type":"text"},{"_id":"UEVE7YXOGJGN5HXNM3MKD5MVGM","additional_properties":{"_id":1732817171715},"content":"“I assumed it was going to be a conversation, not a done deal – obviously it was,” she said.","type":"text"},{"_id":"QZDLXUOASRGTTMRCNSK3LB3OVI","additional_properties":{"_id":1732817171716},"content":"After the meeting she spoke to Mr Scott and told him she was unhappy, as she had not even seen the job specification at that point and again voiced her view that it was a demotion based on what he had told her, she said.","type":"text"},{"_id":"UR6ZZ2CM6ZES3HHI3AZHXUEWGE","additional_properties":{"_id":1732817171717},"content":"Mr Scott’s response was that it was “meaty”, that “nobody cared about titles or reporting structures” and that her salary package was not changing, she said.","type":"text"},{"_id":"RU3FUO3PG5CPXMWGBSQZDLXKLY","additional_properties":{"_id":1732817171718},"content":"She said what “struck” her from the job spec for the new proposed role was that it sought “three-plus years” working “in a marketing department”. She had “over 16 years experience in premium spirit marketing” and that experience as a marketing manager had been required to qualify for her original post.","type":"text"},{"_id":"WBKKH5N4ONBCLGBCXUDBBFYVWQ","additional_properties":{"_id":1732817171719},"content":"“There’s a vast difference in experience,” she said. “The ask of three years’ experience: that could be nearly a graduate position – for me that’s quite a junior position,” Ms Deveney said.","type":"text"},{"_id":"4H73UGGUZBDKJIVFIV5Z3RGJ2I","additional_properties":{"_id":1732817171720},"content":"She added that the new job duties concerned “activating” brand plans developed elsewhere, but her old posts had involved “brand strategy and developing the brand”.","type":"text"},{"_id":"TVA7JIGC25DXRMO34RXUEFGMJA","additional_properties":{"_id":1732817171721},"content":"However, she said she had to ask another colleague on the Tuesday to “hold off” on sending an email to the new team, telling her that she was “not accepting the position”.","type":"text"},{"_id":"2RLLPXCEUNAADAXD4XYWXUJRDA","additional_properties":{"_id":1732817171722},"content":"“I felt I was bullied into taking a role,” she said.","type":"text"},{"_id":"E46RUX3SWJFT3AO7YGZS24UQEQ","additional_properties":{"_id":1732817171723},"content":"Ms Deveney said she suffered a panic attack on the evening of Tuesday 23rd January and called in sick for the following day. She did not return to work prior to tendering her resignation in March this year, the tribunal was told.","type":"text"},{"_id":"NPB662OICNCFTEKLLYBG4POMNE","additional_properties":{"_id":1732817171724},"content":"Ms Deveney was cross-examined on her evidence-in-chief by Ms Fay, for the employer, who put it to her that Mr Scott would give a different account of certain aspects of their conversations.","type":"text"},{"_id":"2T3GNS3DPFE5FMEFAGXM4UTLHU","additional_properties":{"_id":1732817171725},"content":"Counsel put it to her it was “not reasonable” to form a subjective view that the proposed job was a demotion without discussing it further with Mr Scott.","type":"text"},{"_id":"PJOXKIX3O5F5TMY25ES5T7KKIE","additional_properties":{"_id":1732817171726},"content":"“I believe the job was a demotion,” Ms Deveney said.","type":"text"},{"_id":"OX4L4OOHVBEPBPW564SAIKMROA","additional_properties":{"_id":1732817171727},"content":"Having heard Ms Deveney’s evidence in full, adjudicator Patricia Owens adjourned the matter. The employer is expected to present witness evidence at a resumed date early in the new year.","type":"text"},{"_id":"YCDY6C2IB5FUNMX3YVDX7FFP3I","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Stephen Bourke"}]},"description":{"basic":"Counsel for company said it was “not reasonable” to form view that proposed job was a demotion without further discussion"},"display_date":"2024-11-28T18:17:48.833Z","headlines":{"basic":"Coca Cola executive ‘felt bullied’ into taking post-maternity leave ‘demotion’ ","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"GAVXY3M56A33YKYEZYJSOOBR5Q","auth":{"1":"31bfd5280418af9143a752e862fff6eabb43c58aba07c2cba23903053a63a9d4"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/GAVXY3M56A33YKYEZYJSOOBR5Q.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/coca-cola-executive-felt-bullied-into-taking-post-maternity-leave-demotion/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"E7WAKERMDJGEXGAQG6NV5ZL5MI","additional_properties":{},"canonical_url":"/business/2024/11/28/shorla-oncology-co-founders-scoop-ey-emerging-entrepreneur-of-the-year-award/","content_elements":[{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{"_id":1732795386806},"content":"","type":"text"},{"_id":"GK63ZX2Q7VAOTINTE23BMBHSDU","additional_properties":{"_id":1732817422386},"content":"Sharon Cunningham and Orlaith Ryan, co-founders of Tipperary-based cancer drug company Shorla Oncology, were named best emerging entrepreneurs at the annual EY Entrepreneur of the Year (EoY) on Thursday evening.","type":"text"},{"_id":"G6KIAUH6WFFFLHRWVZYU6AOVUE","additional_properties":{"_id":1732795386807},"content":"Founded in 2018, the company specialises in oncology drugs with a focus on rare, orphan and paediatric cancers. It has reformulated certain cutting-edge treatments to make them easier to use for their target patients, like a children’s cancer drug, which it redeveloped from a difficult to swallow capsule to an oral solution.","type":"text"},{"_id":"NHTYBZJDSZAZZMDFUHC4UKSGFY","additional_properties":{"_id":1732795386808},"content":"Shorla has a growing portfolio of pharmaceutical products, including four drugs approved by the Federal Drug Administration in the US.","type":"text"},{"_id":"PXEGAEAPCZFCFFAZKACKU4LJWI","additional_properties":{"_id":1732795386810},"content":"The announcement was made at the annual EoY awards ceremony at the Powerscourt Hotel in Co Wicklow on Thursday evening.","type":"text"},{"_id":"UKKKTZ6W5NAO7ICITC7KNID2QA","additional_properties":{"_id":1732795386811},"content":"Ms Cunningham, who serves as chief executive of Shorla, and chief technology officer Ms Ryan met while working together at EirGen Pharma, the Waterford company founded by Patsy Carney and Tom Brennan which was acquired by US drugs firm Opko for $135 million (€128 million) in 2015.","type":"text"},{"_id":"QKDNZL6KJ5HZNJJ7ZQOWXMAMFY","additional_properties":{"_id":"EILP4FTYFBCQTLPJML6DH53WU4"},"content":"Siblings behind Galway space laser firm Mbryonics named EY Established Entrepreneurs of the Year","type":"interstitial_link"},{"_id":"GRPIXBS6YJGIXFBJCECSVO7BDA","additional_properties":{"_id":"X4OUFLAYIZGPZDPLPKOQIF56JI"},"content":"Ivor Queally wins International Entrepreneur of the Year at EY awards","type":"interstitial_link"},{"_id":"LHOHAALRCNDKTERACYJHKAR73M","additional_properties":{},"content":"Earlier this year, Ms Cunningham and Ms Ryan told The Irish Times that Shorla has raised $45 million to expand its pipeline of treatments. This includes a 2020 <a href=\"https://www.irishtimes.com/business/health-pharma/shorla-pharma-raises-7-4m-to-bring-cancer-drugs-to-market-1.4268971\" target=\"_blank\">Series A investment round</a>, led by Dublin-based venture capital firm Seroba Life Sciences, whose other portfolio companies include Endotronix and Atlantic Therapeutics.","type":"text"},{"_id":"NDWML2WPDFDMNKNB52JUX47DGI","additional_properties":{"_id":1732795386813},"content":"Previously, the company won the overall award at the Ireland’s Best Young Entrepreneur competition in 2019 and its founders were included on a list of 50 people to watch out for in 2020 by The Irish Times.","type":"text"},{"_id":"LE77JWNREFAUHKRI6PFK2CXGQE","additional_properties":{"_id":1732795386814},"content":"The finalists in the emerging category of this year’s awards were Kasper Weber Anderson and Liam McMahon, Beyond Creative; Seamus Tighe, Ecoplex Energy Solutions; Adrian Gilbane and Will Kennedy, Sons; Jack Kirwan, Sprout & Co; Ciaran Burke and Andrea Reynolds, Swoop; Denise Phillips, Voduz; and Damian Young, ZEUS Mobility.","type":"text"},{"_id":"4ZUIPZ6DYJCHBOCG5ABS44XXRU","additional_properties":{"_id":1732795386815},"content":"Former taoiseach <a href=\"https://www.irishtimes.com/tags/enda-kenny/\">Enda Kenny</a> also received a special recognition award at the annual gala event on Thursday, which marked the awards programme’s 27th year in Ireland.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ian Curran"}},"name":"Ian Curran"}]},"description":{"basic":"Clonmel-based company develops and commercialises drug treatments for rare cancers"},"display_date":"2024-11-28T18:07:25.183Z","headlines":{"basic":"Shorla Oncology co-founders scoop EY Emerging Entrepreneur of the Year award","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"VOHO2TUY5ZAYHL3EKWIY6QAXJA","auth":{"1":"f16c0edb0228dbe5969a8240dfd8a0936fbcf9ec68bb13a7ce0dd22666941e4d"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/VOHO2TUY5ZAYHL3EKWIY6QAXJA.jfif"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/shorla-oncology-co-founders-scoop-ey-emerging-entrepreneur-of-the-year-award/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"OLKODI676VBWDOJCJOLX5HLL4A","additional_properties":{},"canonical_url":"/business/2024/11/28/more-than-half-of-nursing-homes-are-not-profitable-report-finds/","content_elements":[{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{"_id":1732805406388},"content":"More than half of Irish nursing homes did not report a profit in 2023, according to advisory firm BDO Ireland which conducted research on behalf of representative body Nursing Homes Ireland.","type":"text"},{"_id":"YKUAQLOE6FA6XJ7WHF5C2WE3I4","additional_properties":{"_id":1732805406389},"content":"Its report found there was a total of 32,239 registered beds in the country, a rise of 1.6 per cent in two years. But financial pressures have threatened the sustainability of many homes, particularly smaller operations and those in rural areas.","type":"text"},{"_id":"J2B7IRPLPFAWHCR2XAKNBIPAKY","additional_properties":{"_id":1732805406398},"content":"Despite increases in the HSE’s Fair Deal rates, these payments “still fail to align with the actual cost of care” as a result of rising labour costs and other inflation, BDO said, adding that it was “noteworthy” 51 per cent of the 100 private and voluntary homes surveyed in mid-2024 reported making a loss in 2023.","type":"text"},{"_id":"W5SBZVTDTNH5LAIANXHIYNEHDU","additional_properties":{"_id":1732805406390},"content":"Across the public, private and voluntary nursing home sectors, there have been 34 home closures over the past two years and 17 openings, resulting in a net reduction of 17 homes. This breaks down into a net decline of two homes in the public sector and 15 in the private and voluntary sectors.","type":"text"},{"_id":"RCH5VQGHSJBXPMJM4CHM6V3OQ4","additional_properties":{"_id":1732805406391},"content":"“Overall, the country saw improved occupancy rates. However, the sector is under immense strain due to rising costs, inadequate funding, and reduced construction activity,” said BDO Ireland managing partner Brian McEnery.","type":"text"},{"_id":"ALOLLUETF5HEHBR7VIILK26RTI","additional_properties":{"_id":1732805406392},"content":"“Urgent measures are needed to safeguard the future of nursing home care in Ireland.”","type":"text"},{"_id":"2SJR33YYPVF5JIHBKJMXHM4PTM","additional_properties":{"_id":1732805406393},"content":"The worst hit region for closures across all sectors was the west (Galway, Mayo and Roscommon), where eight nursing homes closed and just one opened. That amounts to a 6 per cent reduction in beds compared to a 12 per cent increase in the northeast. None of the regions reported a net increase in homes over the period.","type":"text"},{"_id":"IJVSALRCERCX3HJVVQWPIE5LKM","additional_properties":{"_id":1732805406394},"content":"New homes tend to be larger. In the private and voluntary sectors, the average number of beds in the 30 homes that closed was 36, while new homes have an average of 99 beds. This resulted in a capacity increase of 599, with the number of beds in these two sectors reaching 27,160.","type":"text"},{"_id":"55DP56GGSNBFNP6RUCXBO7UBZQ","additional_properties":{"_id":1732805406395},"content":"The report also found a weekly disparity of about €640 per bed between the average public rate and private rate. Taking an average-sized, 60-bed home, this suggests a public home receives on average €2 million in additional revenues via the Nursing Home Support Scheme above that received by private and voluntary operators, it said.","type":"text"},{"_id":"7EQISHP6QVANBEDQB4CG42TUE4","additional_properties":{"_id":1732805406396},"content":"The average Fair Deal rate as of November 2024 was €1,207 – a 14.2 per cent increase since May 2022. Fair Deal funding accounted for 69 per cent of nursing home income, with the remainder coming from private payers and other sources such as contract and complex care.","type":"text"},{"_id":"YOFRE5NOCJHP7EMBXD55YPDG3U","additional_properties":{"_id":1732805406397},"content":"However, rates varied significantly across counties, with Dublin recording the highest at €1,335 and Donegal the lowest at €1,125. The disparity here across an average size nursing home of 60 beds sees Dublin nursing homes receive €655,000 per annum more than their Donegal equivalent. 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Its Jack Nicklaus-designed golf course hosted the Irish Open in 2021 and 2022.","type":"text"},{"_id":"ZROCHXZQIREOJJJDN2XGSMWPDU","additional_properties":{"_id":1732811973055},"content":"New accounts for Mount Juliet UC show the company recorded the pretax profits of €9.38m arising from its owner agreeing to write off cumulative interest of €9.08 million on shareholder loans.","type":"text"},{"_id":"YQS6WIRVYNCNXLKVARJOUVM7UU","additional_properties":{"_id":1732811973056},"content":"Revenues for the resort increased by 10.5 per cent, from €17.6 million to €19.47 million, and its directors said “the trading performance for the year has been satisfactory”.","type":"text"},{"_id":"Y2JTOMCLCVFUVLIMYYMHCJ5STI","additional_properties":{"_id":1732811973057},"content":"Before the ‘exceptional’ €9.08 million gain from the write off of the cumulative interest, according to the accounts, the company’s operating profits increased by 44 per cent, from €833,009 to €1.2 million.","type":"text"},{"_id":"M3OHNRYOBRDZ7NKNOBNH5LFALY","additional_properties":{"_id":1732811973058},"content":"Its pretax profit followed a pretax loss of €1.7 million in 2022 – a positive swing of €11.1 million.","type":"text"},{"_id":"T7AKE6G33NGQPND7DUNF3CAKOQ","additional_properties":{"_id":1732811973059},"content":"The business also benefited from lower interest charges last year of €900,301 compared to €2.55 million in 2022.","type":"text"},{"_id":"QA2XISKJ2ZCS5ASLSRZDA6IMJM","additional_properties":{"_id":1732811973060},"content":"The accounts show that following the interest write-off, the amount owed in shareholder loans reduced from €24.24 million to €15.16 million.","type":"text"},{"_id":"YE6IYDRISZDBNFYOHZ7O5OWKKQ","additional_properties":{"_id":1732811973061},"content":"Numbers employed at the business fell from 347 to 291, with hotel staff decreasing from 288 to 210. However, staff engaged in marketing more than doubled from 14 to 36.","type":"text"},{"_id":"YKMCS3BMPFAY7P3MEWH565FE2A","additional_properties":{"_id":1732811973062},"content":"Staff costs for the year increased from €8.07 million to €8.22 million.","type":"text"},{"_id":"AUYVXCLXRRGPTMWPYR7VK3NQI4","additional_properties":{"_id":1732811973063},"content":"The resort firm’s 2023 profit takes account of non-cash depreciation costs of €1.11 million. 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","type":"text"},{"_id":"7O7S6VM56VGZNBKSQOLWT5BGYM","additional_properties":{},"content":"Work began in April of this year – five months before the permission’s expiry – with site preparation, levelling and demolition of the nursing home costing some €1.125 million, Grassridge said.","type":"text"},{"_id":"UOL5MR2ZTVGYPIWPS2MAAJ24WA","additional_properties":{"_id":1732807227962},"content":"The council said it was obliged to refuse Grassridge’s extension application as it was not satisfied “substantial works” had yet been carried out.","type":"text"},{"_id":"J5S6WNXM45GIXC3VYI6INM34VQ","additional_properties":{"_id":1732807227963},"content":"In its High Court challenge, the company alleged the council misinterpreted the meaning of “substantial works”.","type":"text"},{"_id":"7XQKIKYC2BAGTMYROVHJX5KKM4","additional_properties":{"_id":1732807227964},"content":"Mr Justice Holland rejected this ground after concluding that the phrase is a “relative” rather than an “absolute” concept. He noted the council interpreted the phrase as connoting a “substantial proportion” of the overall works.","type":"text"},{"_id":"UEEFCWOSMRBELFJ3WTPDVJWX7E","additional_properties":{"_id":1732807227965},"content":"Noting the works done are in excess of €1 million, the judge said he did not find or rule out that the council could have found that the works were substantial. He accepted there is a “strong case” for arguing the works are substantial. However, this was a matter for the council, rather than the court, to decide.","type":"text"},{"_id":"OJ7O6XOKTZFHXFBZ44HW63WI5Y","additional_properties":{"_id":1732807227966},"content":"Once a council determined works were not substantial, it has no discretion to refrain from refusing an extension, he said.","type":"text"},{"_id":"P2DZOIBRV5CXJEVVZNBM3CIRIY","additional_properties":{"_id":1732807227967},"content":"Grassridge also claimed the extension refusal was disproportionate as the council knew about the expiry date when it accepted significant sums and a notice of intention to begin building last April. ","type":"text"},{"_id":"NW4G4OX5TJEG7PEGRYFKBYVP7U","additional_properties":{},"content":"The developer said it has been put to significant expense and inconvenience.","type":"text"},{"_id":"S7E5RZ64K5AQFNBTK72OH5VEAQ","additional_properties":{"_id":1732807227968},"content":"The council denied disproportionality and submitted that its acceptance of the developer’s commencement notice falls under Building Control Regulations, which are entirely separate from the planning code.","type":"text"},{"_id":"WBCEOT3YGZFMBAUYVHW7ANUDHU","additional_properties":{"_id":1732807227969},"content":"Mr Justice Holland dismissed the claims, finding there was no lack of fair procedures or proportionality. He said there is no legal basis for asserting that acceptance of a building commencement notice requires an assessment of whether the relevant planning permission has enough time left on it to enable completion of substantial works.","type":"text"},{"_id":"OEJTXOBD3VGKBKCNCEBEMSXQ34","additional_properties":{"_id":1732807227970},"content":"The judge dismissed Grassridge’s other complaints, including alleging the decision contained legal and factual errors.","type":"text"},{"_id":"YCDY6C2IB5FUNMX3YVDX7FFP3I","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ellen O'Riordan"}},"name":"Ellen O'Riordan"}]},"description":{"basic":"Grassridge claimed it spent €1.125 million on demolition and site-clearing works"},"display_date":"2024-11-28T16:37:40.071Z","headlines":{"basic":"Developer loses case over council’s refusal to extend planning permission for Dalkey scheme","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"JXZ2TPTTZLOAEHMERV45BRYL6I","auth":{"1":"3cf25d9523bdf4c511c190e0acecbdb0ab614b5059e53af67a51d6e08eb581da"},"focal_point":{"x":673,"y":413},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/JXZ2TPTTZLOAEHMERV45BRYL6I.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"},{"name":"Crime & Law"},{"name":"Courts"}]},"type":"story","website_url":"/business/2024/11/28/developer-loses-case-over-councils-refusal-to-extend-planning-permission-for-dalkey-scheme/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"UP73M3J4ZBE5HOMUBXGV6OHXXY","additional_properties":{},"canonical_url":"/business/economy/2024/11/28/report-criticises-ireland-for-not-doing-enough-to-tackle-tax-avoidance/","content_elements":[{"_id":"ANJ3RAGQHJH55IYPFTFHG6XL6E","additional_properties":{"_id":1732730692077},"content":"Ireland has not imposed any fines on tax advisers or accountants for failing to report potentially harmful cross-border tax arrangements since new rules came into force in recent years, an audit has found.","type":"text"},{"_id":"AE3LHL74RZHZDCCW3RNCBRU7SQ","additional_properties":{"_id":1732730692078},"content":"In a report published on Thursday, the European Court of Auditors (ECA) criticised shortcomings in measures that several countries, including Ireland, had in place to tackle corporate tax avoidance and profit shifting.","type":"text"},{"_id":"KM7W2DKGPZAGLPB6GEIGGAONDQ","additional_properties":{"_id":1732813314914},"content":"Reforms introduced in recent years still left holes which could be exploited by corporations seeking to lower their tax bills, the report said.","type":"text"},{"_id":"NAJBIGEXV5GVRLYUW2AF77EHWM","additional_properties":{"_id":1732730692079},"content":"The audit was critical of the lack of follow up by authorities in Ireland and elsewhere on reports flagging “potentially harmful cross-border tax arrangements”. The mandatory filings, which are required to be made by intermediaries including accountants and tax advisers, are aimed at identifying possible aggressive tax planning schemes.","type":"text"},{"_id":"5OHXN3B7UJDTHJBZHF2DNE6I44","additional_properties":{"_id":1732730692080},"content":"The auditors’ report said EU countries carried out few checks on the quality of reports received, and there was no evidence of fines or penalties being handed out for failures to submit filings.","type":"text"},{"_id":"PWL5O426Z5AGJK7ZPSBEV4VRJY","additional_properties":{"_id":1732813314917},"content":"The EU audit agency had examined efforts to crack down on tax avoidance by Ireland, the Netherlands, Cyprus, Malta and Luxembourg.","type":"text"},{"_id":"CLW6IG5FD5EEDH4RGJQSKQKIWY","additional_properties":{"_id":1732730692081},"content":"Its report said apart from the Netherlands and Luxembourg, the other countries performed “no quality checks” on the standard of the cross-border tax reports filed. 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The government agreed to raise the minimum corporate tax rate for large companies in Ireland to 15 per cent, as part of a landmark OECD deal agreed in 2021.","type":"text"},{"_id":"AOYBATSBQBAXZMWE6F3GDYLXD4","additional_properties":{"_id":1732730692085},"content":"The ECA report said existing regulations in the EU act as a “first line of defence” against harmful tax regimes and avoidance schemes. “However, there are shortcomings in the way EU measures were drawn up and implemented, and there is no appropriate monitoring system for assessing their effectiveness,” it said.","type":"text"},{"_id":"75WYCJYP6RF3ZBSYV2JYPEMJHQ","additional_properties":{"_id":1732730692086},"content":"In a statement, Ildikó Gáll-Pelcz, a member of the auditor body who led on the report, said harmful tax regimes and corporate tax avoidance posed “major challenges”, hampering efforts to make sure taxes were paid in countries where the profits were generated.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Jack Power"}},"name":"Jack Power"}]},"description":{"basic":"European Court of Auditors assesses shortcomings in measures by several countries to tackle corporate tax avoidance and profit shifting"},"display_date":"2024-11-28T16:00:00Z","headlines":{"basic":"Ireland criticised for not doing enough to tackle tax avoidance in report by EU auditor","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"KBHSU4PAE5CNXMXHWAZPD7REVM","auth":{"1":"41cc4da5b1c19b050645e37dcd5288ea15545d5a875c6ba8b11d419c31590d35"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/KBHSU4PAE5CNXMXHWAZPD7REVM.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Economy"},{"name":"World"},{"name":"Europe"},{"name":"Business"}]},"type":"story","website_url":"/business/economy/2024/11/28/report-criticises-ireland-for-not-doing-enough-to-tackle-tax-avoidance/","websites":{"irishtimes":{"website_section":{"_id":"/business/economy","additional_properties":{"original":{}},"name":"Economy"}}}},{"_id":"326KNQ74XVESPBMFTZTIFYLTC4","additional_properties":{"audio_duration":146,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/12979e18-c652-4485-a909-abcd98a49e71/versions/1732813939/media/b771d64ea99f4923f7df552716858ccb_compiled.mp3"},"canonical_url":"/business/2024/11/28/retail-sales-dipped-in-october-but-are-up-over-the-last-year/","content_elements":[{"_id":"VVAYDJRTD5DATK4FVOS7BW7USU","additional_properties":{"_id":1732798470801},"content":"Retail sales dipped 0.1 per cent in October, although volumes for the proceeding 12 months were up 0.9 per cent.","type":"text"},{"_id":"Z5YTOEED2BB4FITXMITVZ4SYRA","additional_properties":{"_id":1732805283937},"content":"Figures from the Central Statistics Office showed when the motor trade was excluded the volume of sales fell further, to 0.2 per cent month-on-month and static when compared to October 2023.","type":"text"},{"_id":"CVTYMWNHAZBJPOAUSZ66KUVFJY","additional_properties":{"_id":1732805283938},"content":"The largest volume decreases during the month were seen in electrical goods, which fell 1.4 per cent compared to September, while furniture and lighting declined 1.1 per cent. The motor trade was down 0.9 per cent, while department stores were down 0.8 per cent.","type":"text"},{"_id":"VR2MZJN2BNBXRP3IRQIC64BSDI","additional_properties":{"_id":1732805283939},"content":"That was offset by a rise in the sales of books, newspapers and stationery, which rose more than 5 per cent compared to September, and fuel, which was up almost 2 per cent.","type":"text"},{"_id":"RQOEUQ7VVREQRAQAHSR4DCMWTY","additional_properties":{"_id":1732805283940},"content":"Books and newspapers also showed a significant annual rise, increasing by 17.1 per cent, with clothing, footwear and textiles up 11 per cent compared to 2023. Bar sales were lower, however, falling 7.4 per cent, while electrical goods were down 5 per cent. 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","type":"text"},{"_id":"MERMBCXHUBCKLJEDA7A4P2IEPE","additional_properties":{},"content":"Mr Trump has also hinted he might reduce the headline rate of corporation tax in the US from 21 per cent to possibly 15 per cent, unravelling Ireland’s competitive advantage, although he may face political opposition.","type":"text"},{"_id":"VPHYJAPLWRE53DHCUPYHMMPD2A","additional_properties":{"_id":1732799957882},"content":"In his address, Mr Chambers noted the total stock of foreign direct investment in Ireland that originates from the US amounted to over €900 billion, or 70 per cent of total FDI, and that US firms employed 210,000 workers directly in the Republic.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Eoin Burke-Kennedy"}},"name":"Eoin Burke-Kennedy"}]},"description":{"basic":"Outing going minister for finance highlights Ireland’s ongoing trading ties but avoids Trump’s protectionist agenda at Thanksgiving event in Dublin"},"display_date":"2024-11-28T13:35:47.488Z","headlines":{"basic":"Chambers signals constructive relationship with Trump administration, but avoids tariff threat","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"HOYF43765JFIRI44SURLTW2MTU","auth":{"1":"8359c685e933b27271f6908e65df9e805a6bfd90ebf46462d01abba21d181ee8"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/HOYF43765JFIRI44SURLTW2MTU.JPG"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/chambers-signals-constructive-relationship-with-trump-administration-but-avoids-tariff-threat/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"LWAGF5MX3NDH3INLOJYE5Z4N7I","additional_properties":{},"canonical_url":"/business/2024/11/28/former-goodbody-analyst-co-founds-real-estate-consultancy-lauder-teacher/","content_elements":[{"_id":"QYU4YHLRKJBN5KXUTA72VQTZ6M","additional_properties":{"_id":1732792675758},"content":"The former head of real-estate research at Goodbody Stockbrokers, Colm Lauder, has joined with British property advisory veteran Andrew Teacher to set up a boutique property communications-to-strategy consultancy, Lauder Teacher.","type":"text"},{"_id":"TUFITWLRH5F4XMMFF6AOB7MGZU","additional_properties":{"_id":1732792675759},"content":"The firm has also brought in Goodbody’s former head of financial research John Cronin as a senior consultant. Other initial senior hires span banking, communications, marketing, research and public affairs.","type":"text"},{"_id":"J5LBYEURTRGANFVKEYT3ES34SY","additional_properties":{"_id":1732792675760},"content":"“We see a gap between where traditional investment banks operate as trusted advisers and conventional communications companies,” said Mr Lauder. “We plan to use our technical understanding of real estate and capital markets to help translate what our clients do more clearly.”","type":"text"},{"_id":"YAAUT6A4OFDTDKVU6HLZ3LCTVI","additional_properties":{"_id":1732792675761},"content":"Mr Lauder, who holds a University of Cambridge masters in real-estate finance, left Goodbody in late 2023 after more than seven years with the firm.","type":"text"},{"_id":"VQ3BQASNBZHXPL7FLDHAEPVNMM","additional_properties":{"_id":1732792675762},"content":"He previously worked with MSCI, the US service provider for global investors, where he headed the market consultancy team at the Investment Property Databank (IPD). IPD was acquired by MSCI in 2012. Mr Lauder began his career at DTZ, now Cushman & Wakefield.","type":"text"},{"_id":"S4K3X5K5BVGMVA7FBVIRLETX3Y","additional_properties":{"_id":1732792675763},"content":"Mr Teacher founded Blackstock Consulting, a property communications consultancy, which he sold to Montfort in 2022, a decade after establishing it. The firm’s client base included private equity firms such as Apache, TDR, and Orion, alongside major institutions like Blackstone, Macquarie, L&G, and M&G. Mr Teacher also previously worked with IPD.","type":"text"},{"_id":"EIV5HGFVJVEA5FTAYVHV33EMHY","additional_properties":{"_id":1732792675764},"content":"Lauder Teacher, where services will include strategic communications, advocacy, and investor relations, will be headquartered in London, with additional offices in Dublin and Monaco.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Joe Brennan"}},"name":"Joe Brennan"}]},"description":{"basic":"Company eyes gap between traditional investment banks and conventional communications"},"display_date":"2024-11-28T12:22:59.542Z","headlines":{"basic":"Former Goodbody analyst co-founds real-estate consultancy Lauder Teacher","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"PKZ7FGC7LRD33EINM6F2QZOLEQ","auth":{"1":"c9b6c03e0d208a95a492ff68f3a6cd928704038443ed5b8119107870f15339fc"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/PKZ7FGC7LRD33EINM6F2QZOLEQ.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/former-goodbody-analyst-co-founds-real-estate-consultancy-lauder-teacher/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"4UBBLW4WSJGZRLLKNQOAIUPU4M","additional_properties":{},"canonical_url":"/business/2024/11/28/irish-inflation-remains-at-three-year-low-as-ecb-gears-up-for-more-rate-cuts/","content_elements":[{"_id":"ZJSY4QWXS5DIRKOQ3NCYTUYHIU","additional_properties":{"_id":1732793604390},"content":"The cost of consumer goods and services in Ireland is estimated to have increased by 0.5 per cent in the year to November, according to the latest flash estimate for the harmonised index of consumer prices (HICP).","type":"text"},{"_id":"Q35A7N2H6FCWLECGDWQ5G2SE2Q","additional_properties":{"_id":1732793604391},"content":"This was up from a rate of 0.1 per cent the previous month. Despite the rise, the headline rate remained close a three-year low.","type":"text"},{"_id":"DK6NXCZQKBDKRFVLHS4BMLVUTA","additional_properties":{"_id":1732793604392},"content":"The weaker levels of inflation seen in the Irish economy over the past year are being driven in the main by falling energy prices.","type":"text"},{"_id":"UPN5KUWU6BDZ7DJHMMRABLGRWA","additional_properties":{"_id":1732793604393},"content":"The latest HICP indicated that while energy prices are estimated to have grown 0.2 per cent in November, they were down 7.7 per cent year-on-year. Food prices were estimated to have risen by 0.3 per cent in November and to have climbed by 1.7 per cent in the past 12 months.","type":"text"},{"_id":"BZYGRBSZGZAVTCETCFP5CGM5NA","additional_properties":{"_id":1732793604394},"content":"The HICP excluding energy and unprocessed food, the underlying rate of inflation, was estimated at 1.7 per cent in November.","type":"text"},{"_id":"MHPME7KYYRHC5MPLV3DBUFPZE4","additional_properties":{"_id":1732793604395},"content":"The Irish rate will feed into wider euro zone inflation data due on Friday. The headline rate for the euro zone was 2 per cent in October. Euro-wide figures are expected to pave the way for further European Central Bank (ECB) interest rate cuts in the coming months.","type":"text"},{"_id":"Y3XYRWD3LJCKJC55XLTGFHTAGY","additional_properties":{"_id":1732793604396},"content":"Amid a faster-than-expected softening in inflation, Frankfurt is expected to implement several more rate cuts between now and next March, including one in December.","type":"text"},{"_id":"BNZCRMYV6VBWTLRKH75CKAR6P4","additional_properties":{"_id":1732793604397},"content":"The HICP differs from the CSO’s consumer price index (CPI), the official measure of inflation in the Republic, as the former does not include items like mortgage repayments and building materials. As a result, inflation as measured by the HICP has fallen more quickly than under the “official” consumer price index, which put the headline rate at 0.7 per cent in October.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Eoin Burke-Kennedy"}},"name":"Eoin Burke-Kennedy"}]},"description":{"basic":"Food prices have risen 0.3% in November, and by 1.7% over last 12 months"},"display_date":"2024-11-28T12:12:05.339Z","headlines":{"basic":"Irish inflation remains at three year low as ECB gears up for more rate cuts","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"4VRLV44HKRHD5OD7XKDPBJDN4U","auth":{"1":"8c87cc7e3a8f902cc21dda4a37e85184f88e08533f7afc0acf8f97d24c334d64"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/4VRLV44HKRHD5OD7XKDPBJDN4U.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/irish-inflation-remains-at-three-year-low-as-ecb-gears-up-for-more-rate-cuts/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"BR5PDGQI2BA7DLATDXDE5QNT6I","additional_properties":{},"canonical_url":"/your-money/2024/11/28/if-our-finances-go-flat-how-will-ireland-pay-its-bills/","content_elements":[{"_id":"SFXVYNQ3SZE7FBIEFAE5GEXNME","additional_properties":{"_id":1732726932387},"content":"How much financial leeway does Ireland have if the public finances take a turn for the worse, most likely due to a fall-off in corporate tax revenue? Let’s have a look at what resources Ireland has and how they could be deployed.","type":"text"},{"_id":"BAI6UZTL4FGBDMZAANPQ3G2U2M","additional_properties":{"_id":1732726932388},"content":"1.<b> Cash in the bank</b>:","type":"text"},{"_id":"HY5YLVU3RBAOHBPHLLT6KWOBCI","additional_properties":{"_id":1732791118028},"content":"The clearest source of short-term support if tax revenues were to fall off is the cash held by the National Treasury Management Agency (NTMA)<a href=\"https://www.ntma.ie/business-areas/funding-and-debt-management/investor-relations\" target=\"_blank\">. In its latest update to investors</a>, it said its cash balances would amount to €30 billion by the end of the year.","type":"text"},{"_id":"NCDR5X5DAFGXLNRH5KBSSYLLCI","additional_properties":{"_id":1732796993871},"content":"These balances have built up over the last few years as the public finances have been in surplus and cash left over at the end of the year is held by the NTMA. As a result, it has not had to engage in major additional borrowing, raising just €6 billion on the market this year and <a href=\"https://www.irishtimes.com/business/2024/11/28/ntma-to-raise-as-little-as-6bn-next-year-amid-strong-surplus-forecast/\" target=\"_blank\">indicating it may not have to raise much more next year</a>. Given the late surge in tax revenues this year, helped by the first part of the Apple windfall, it is likely the final balances at the end of the year will be well above €30 billion and possibly closer to €35 billion.","type":"text"},{"_id":"XG2SXW6GJNHJFILDVPJT6PIJYM","additional_properties":{"_id":1732728431087},"content":"How important is it? This huge wedge of cash is Ireland’s first defence in case of trouble. It could, for example, be enough to refinance the next two years of maturing loans carried in the national debt. Of course, if exchequer finances went into deficit the amount which would need to be borrowed would increase.","type":"text"},{"_id":"3O2OYDR5EZEERORC43DKPI45EQ","additional_properties":{"_id":1732786167261},"content":"The Department of Finance has forecast budget surpluses over the term of the next government, though the plans put forward by the parties to spend more and tax less would reduce these. What are the risks?","type":"text"},{"_id":"IFTMC2YDFJGBXE4JZG2RLAPKPI","additional_properties":{"_id":1732791118031},"content":"<a href=\"https://www.gov.ie/en/publication/3013b-medium-term-fiscal-and-structural-plan/\" target=\"_blank\">A recent department report </a>modelled two scenarios. In the first – a standstill in corporate tax revenues – budget surpluses under the EU borrowing measure would fall and the cash position of the exchequer would tighten. In the second – a return to pre-pandemic levels of corporate tax (more than a halving of current revenue) – government finances would be in trouble and in significant deficit. The cash pile could protect Ireland through a couple of difficult years, though if there was a structural change, such as the second scenario, in the public finances it would have to be addressed sooner rather than later via higher taxes or lower spending.","type":"text"},{"_id":"MSYA42VOMFD5VGE4JZRG4QLWCE","additional_properties":{"_id":1732784851202},"content":"2. <b>The two funds</b>:","type":"text"},{"_id":"RZBNFP4GNZAWHBWAMSYQKDHS7E","additional_properties":{"_id":1732791118033},"content":"Two funds<a href=\"https://www.irishtimes.com/business/2024/04/08/two-funds-to-ensure-the-continuing-resilience-of-irelands-public-finances/\" target=\"_blank\"> were established by the Government this year </a>to save for the future in various forms. The Future Ireland Fund is a long-term savings vehicle due to help meet the additional costs likely to hit the exchequer from areas like an ageing population after 2040. The Infrastructure, Climate and Nature (ICN) Fund is designed to help to maintain investment in infrastructure from 2026 on should tax revenue take a hit, and also support climate-related investment. Under legislation, 0.8 per cent of GDP – just over €4 billion this year – must be paid each year into the Future Ireland Fund up to 2035 as well as €2 billion a year into the ICN fund.","type":"text"},{"_id":"YVLSJAQZ2VGN3M5YCGJOINZOPE","additional_properties":{"_id":1732786167264},"content":"There is now €10 billion in these funds (€8 billion of which is in the Future Ireland Fund) and this will grow to €16 billion by the end of next year, if the amounts mandated in legislation are again paid in.","type":"text"},{"_id":"CPSF5OIJVNH4PLWMQNW7MBPCDQ","additional_properties":{"_id":1732791118035},"content":"So what leeway does these give Ireland? First, the contribution to the two funds can, under legislation, be halved in the face of an economic downturn or stopped completely if the downturn is severe. This would free up cash to be used elsewhere.","type":"text"},{"_id":"QCKEAOYDUFDI7DILDVX5TZK7XM","additional_properties":{"_id":1732787824026},"content":"But could the next government actually get hold of the cash in the funds? Under the legislation, the money in the Future Ireland Fund could not be touched until 2041. However the cash in the ICN could be accessed. This is due to reach €4 billion by the end of next year and potentially in any year from 2026 to 2030, up to 47.5 per cent of the assets of the fund can be drawn down. Clearly there would be more to draw down later in the period as the fund builds up.","type":"text"},{"_id":"3ETUDQZAXJG2TMZDDFSRGMIPQM","additional_properties":{"_id":1732787824027},"content":"And, of course, it would be open to any new government to repeal the legislation and raid the funds, as happened during the financial crisis in relation to the National Pension Reserve Fund. The investments could then be sold and the money released to the exchequer.","type":"text"},{"_id":"E3PV5GLEJZCYBIYKXQ34ZZZIIA","additional_properties":{"_id":1732787824028},"content":"3. <b>Other money</b>:","type":"text"},{"_id":"4GG3R5X3BRFUPCY4ZUAOYEVARE","additional_properties":{"_id":1732787824029},"content":"<a href=\"https://isif.ie/publications\" target=\"_blank\">The Irish Strategic Investment Fund (ISIF)</a>, part of the NTMA, holds €4.8 billion in a global investment portfolio which would largely be liquid, though a portion is already committed to State housing agencies. The State, through ISIF, also retains 22 per cent of the share in AIB, worth around €2.65 billion at the current price, which is being gradually sold down.","type":"text"},{"_id":"ABB42IHVSNDB3DPVQIU5COU7WI","additional_properties":{"_id":1732791118040},"content":"4. <b>The bottom line:</b>","type":"text"},{"_id":"KM4QVKY5LJBXNMWRKDRXSGZGDA","additional_properties":{"_id":1732791118041},"content":"The current financial position of the Irish State is strong. The key point is simply that revenues are now in excess of spending. The State is not like a household – it can engage in ongoing borrowing once investors are confident they will be repaid. That said, the concern in relation to the concentration of Irish tax revenues and the uncertainties caused by the forthcoming Donald Trump presidency carry the risk of longer-term structural upset to revenues.","type":"text"},{"_id":"QB63E2F73ZAXNPNKRJ5WE24X4M","additional_properties":{"_id":1732796993885},"content":"And remember that forecasters such as the Fiscal Council have indicated exchequer finances will come under pressure anyway due to the ageing population and the cost of climate change. At the moment, the dynamics of the Irish public finances are favourable – the debt burden is reducing and the State has spare financial capacity. This is the vital issue which investors watch.","type":"text"},{"_id":"OYWO47LNP5EA5M2RPOMJC4CDFE","additional_properties":{"_id":1732791118042},"content":"The huge cash pile, together with these other funds and investments, gives Ireland potentially valuable room for manoeuvre if there is a hit to tax revenue. The NTMA has also pushed out the maturity date of Irish debt so the burden in the next few years is relatively low in terms of debt having to be refinanced. None of these are long-term solutions if tax revenue numbers are no longer keeping pace with spending growth, but they are valuable and substantial buffers, adding up to close to €50 billion.","type":"text"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Cliff Taylor"}},"name":"Cliff Taylor"}]},"description":{"basic":"Ireland’s tax take has been soaring, but if revenues from big multinationals fall off it is important to know what leeway is there to help take the hit"},"display_date":"2024-11-28T11:55:53.22Z","headlines":{"basic":"If our finances go flat, how will Ireland pay its bills? ","native":""},"label":{"audio_project_id":{"text":"5469"},"basic":{"display":true,"text":"Smart Money"}},"promo_items":{"basic":{"_id":"H6GXNQDHANHMJGL52OGFF2XX7U","auth":{"1":"a2a067431aa44dec15499ce99416e3b03d08fab8bf714030011be3b6e8c8c2f9"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/H6GXNQDHANHMJGL52OGFF2XX7U.jpg"}},"subtype":"analysis","taxonomy":{"sections":[{"name":"Your Money"},{"name":"Business"}]},"type":"story","website_url":"/your-money/2024/11/28/if-our-finances-go-flat-how-will-ireland-pay-its-bills/","websites":{"irishtimes":{"website_section":{"_id":"/your-money","additional_properties":{"original":{}},"name":"Your Money"}}}},{"_id":"OLUZLMDT6FE3TI7HKX5RTUHGCU","additional_properties":{},"canonical_url":"/business/2024/11/28/ntma-to-raise-as-little-as-6bn-next-year-amid-strong-surplus-forecast/","content_elements":[{"_id":"I5LJZSKTN5B3VBLKAD7H7HKVEU","additional_properties":{"_id":1732791184036},"content":"The National Treasury Management Agency (NTMA) plans to raise as little as €6 billion in bond sales next year as it seeks to maintain links with global debt investors, as the next government is set to enter power with the benefit of a large projected budget surplus.","type":"text"},{"_id":"WJNPY3RNYFBKHDUR6HEW3RWCBQ","additional_properties":{"_id":1732791184037},"content":"The State’s debt management agency said on Thursday it will seek to issue between €6 billion and €10 billion of bonds during 2025. Much of this will be covered by at least one deal being carried out by a group, or syndicate, of banks and securities firms.","type":"text"},{"_id":"NJ3NOGVQKFHM3IS6PJ2RYJSZEE","additional_properties":{"_id":1732791184038},"content":"The NTMA said it does not plan to be active in the short-term treasury bills market next year.","type":"text"},{"_id":"OTI2AVWUZFGK5GZSQCNWI7RDYY","additional_properties":{"_id":1732798224336},"content":"The agency, led by chief executive Frank O’Connor, sold just €6 billion of bonds in 2024, at the bottom end of its targeted range, and slightly below the figure of about €7 billion raised in each of the two previous years.","type":"text"},{"_id":"EAZTB6WD2NAF7A3V4Y4P7SMCNA","additional_properties":{"_id":1732797984102},"content":"Recent issuance has been well below the average of more than €18 billion a year between 2017 and 2021, skewed by large deals during the Covid-19 crisis as the government funded supports for households and businesses.","type":"text"},{"_id":"AZON4XQZEBE4TIJGNNFHYDUKIM","additional_properties":{"_id":1732791184040},"content":"The Department of Finance estimates the general government surplus this year will reach a record €23.7 billion, equating to 7.5 per cent of the size of the domestic economy–– (measured as gross national income-star).","type":"text"},{"_id":"2WOGPWVA7BBP3NNVPHZWBBTWGU","additional_properties":{"_id":1732797984104},"content":"This has been turbocharged by windfall corporate taxes and the booking of about €14 billion of back taxes from iPhone maker Apple, following the conclusion of long-running EU legal challenges surrounding the matter in September.","type":"text"},{"_id":"PWUMESE75VGMJIXKXCWPDZ7KU4","additional_properties":{"_id":1732791184041},"content":"Parties vying for votes in the general election have pitched various ways the surprise Apple tax could be spent.","type":"text"},{"_id":"A26ISVJQONCBHF6IZ5GC3LWUWU","additional_properties":{"_id":1732791184042},"content":"A €9.7 billion surplus is forecast for next year. About €14 billion of existing government debt, including bonds and bailout-era loans from the EU, are due for redemption in each of the next two years.","type":"text"},{"_id":"ZLGX46JMJRGTDPABANEUK5COZM","additional_properties":{"_id":1732791184043},"content":"Gross government debt currently stands at €220 billion. The NTMA held about €25 billion of spare cash at the end of last year, and the agency has said that figure “will likely remain elevated”.","type":"text"},{"_id":"OTI2AVWUZFGK5GZSQCNWI7RDYY","additional_properties":{"_id":1732798224343},"content":"“The NTMA is cogniscant of the need to maintain a funding presence in global debt markets,” said Michael Cummins, head of fixed income (bonds) at Davy. “It’s prudent to support trading activity and turnover in Irish government bonds, particularly given the large investment programmes recently outlined by government parties, the increasing concern over US policy and the potential impact on Irish tax receipts going forward”.","type":"text"},{"_id":"TXLDMZH2I5DVLAM7E6WV64FOSM","additional_properties":{"_id":1732791184044},"content":"The Republic has secured a series of credit ratings upgrades over the past decade after exiting its international rescue programme. Most recently, S&P Global Ratings raised the outlook on its AA rating for Ireland on November 15th to positive from stable.","type":"text"},{"_id":"WE7VQKPH7ZAQBAGFXQQ474ZJXY","additional_properties":{"_id":1732791184045},"content":"“We could raise the ratings in the next 24 months if Ireland continues to rebuild economic and fiscal buffers, improving further the country’s resilience to external shocks,” S&P said. “Such an action is also likely to be contingent on Ireland maintaining economic competitiveness, particularly in the outward facing multinational sector.”","type":"text"},{"_id":"WYPCAEFCKZAZXBMDHCBUX5KYDE","additional_properties":{"_id":1732791184046},"content":"The market interest rate, or yield, on the Republic’s 10-year bonds – a benchmark for government borrowing costs – has fallen to about 2.47 per cent from 3.12 per cent since early June, as the European Central Bank (ECB) has cut official rates at pace amid signs it is regaining control over inflation.","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Joe Brennan"}},"name":"Joe Brennan"}]},"description":{"basic":"Department of Finance estimates record State surplus this year of €23.7bn - 7.5% of domestic economy"},"display_date":"2024-11-28T11:08:46.287Z","headlines":{"basic":"NTMA to raise as little as €6bn next year amid strong surplus forecast ","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"K5SU7DVWDNERBA6IWABTO5MWP4","auth":{"1":"b9468579b29c058e5deee6eb4acedab74f958c054651ef1876a787749370b137"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/K5SU7DVWDNERBA6IWABTO5MWP4.JPG"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/ntma-to-raise-as-little-as-6bn-next-year-amid-strong-surplus-forecast/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"ZE34FEIYBNGQ3CYW36EWUMRKPA","additional_properties":{},"canonical_url":"/business/2024/11/28/tullow-oil-trading-update-reaffirms-guidance/","content_elements":[{"_id":"ZWUKZXJ6XVEWHAMBHBWVSK5B6I","additional_properties":{"_id":1732787175889},"content":"Irish-founded crude exploration group Tullow Oil has reiterated its guidance for the year, with production at 62,000 barrels of oil equivalent per day. ","type":"text"},{"_id":"BDR37VI7W5BF7D46TCOFIZIM6I","additional_properties":{"_id":1732788960241},"content":"Year-end net debt is expected to be about $1.4 billion (€1.3 billion), with free cash flow of $150-200 million, below previous guidance of $200-300 million, it said in a trading update on Thursday. ","type":"text"},{"_id":"A3IFJALK3FHKDMGXAOO7O44VRM","additional_properties":{},"content":"That was attributed to the timing of payments, with the incremental Jubilee oilfield lifting expected early next year, along with overdue gas payments from the government of Ghana.","type":"text"},{"_id":"R7PVIO3HENDJVONPE6NLJ25K3Y","additional_properties":{"_id":1732787175901},"content":"The company’s revolving credit facility has been extended to the end of June 2025, providing a $250 million facility it previously said was a key step in refinancing plans.","type":"text"},{"_id":"WVWXSPCNFJAMBKJBN6HLSWSEGY","additional_properties":{"_id":1732787175910},"content":"In Ghana, the Jubilee oilfield came in under expectations, averaging 89 kbopd (barrels of oil equivalent per day) to the end of October. That was due to the underperformance of the J69-P well, unplanned downtime at the GNGC onshore gas processing plant, and reduced water injection due to power outages.","type":"text"},{"_id":"T3MYFIJCXVHRNOTWWO4TA2NC3M","additional_properties":{"_id":1732787175894},"content":"Tullow said water injection capacity has been increased to around 300 barrels of water per day, with further production optimisation activities expected to lessen the declines experienced in the second half of 2024. ","type":"text"},{"_id":"67422OR4TVATLIJG5OKT2IRA7I","additional_properties":{},"content":"Looking ahead, a 4D seismic programme in Ghana should start in January 2025, providing data that can optimise well locations for future drilling.","type":"text"},{"_id":"O22B75VE55EG3HN55RZ2HWS3QQ","additional_properties":{"_id":1732787175895},"content":"In Gabon and Côte d’Ivoire, Tullow said non-operated production is in line with expectations, on track to average about 10.5 kbopd net in 2024. The Simba field was brought back on stream in August, and a discovery was made on the Sarafina infrastructure-led exploration well.","type":"text"},{"_id":"TXANR55SE5CGJJ2UXRH5DXSPYY","additional_properties":{"_id":1732788960246},"content":"Tullow also said its decommissioning in the Banda/Tiof fields in Mauritania completed ahead of schedule and below budget during the year.","type":"text"},{"_id":"7Y2BKYPWNFDNTJKJKV46NZSNHY","additional_properties":{"_id":1732788960247},"content":"Capital expenditure and decommissioning spend guidance has been kept at $230 million and $70 million, respectively.","type":"text"},{"_id":"2WBCTM5Q6ZCAPFVXOCPFJ5FFWI","additional_properties":{"_id":1732787175909},"content":"“Our cash generative business enables us to continue our deleveraging progress. This has been achieved despite underperformance at the Jubilee field, which has been offset in part by strong performance at TEN, lower capital intensity and a continued focus on cost management,” said Rahul Dhir, Tullow’s chief executive. ","type":"text"},{"_id":"PT5DPUIOUZCM3CECL4GHWJRPSQ","additional_properties":{},"content":"“We are well positioned to optimise our capital structure and look forward to progressing plans to address our remaining debt maturities.”","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Ciara O'Brien"}},"name":"Ciara O'Brien"}]},"description":{"basic":"Ghana 4D seismic programme next year to provide data on future drilling sites"},"display_date":"2024-11-28T10:37:35.517Z","headlines":{"basic":"Tullow Oil trading update reaffirms guidance ","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"YR5QGLY4MUGKIIJGYOMCTUERVI","auth":{"1":"adc3fc61369a451e661960548d83b9765234531242ef9a0e63d0c1aed4700617"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/YR5QGLY4MUGKIIJGYOMCTUERVI.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/tullow-oil-trading-update-reaffirms-guidance/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"BRZJKHF4DFDW7FUFNMN7VIBNMU","additional_properties":{"audio_duration":283,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/eeedec44-c245-40cf-a37e-5666b63bad84/versions/1732707119/media/3ca273c2f8ff5929740e013e2e5da2ed_compiled.mp3"},"canonical_url":"/business/work/2024/11/28/no-work-phone-companies-that-tell-staff-to-bring-their-own-could-be-walking-in-to-danger/","content_elements":[{"_id":"L3LCQ7H2KFDPZL6XYPLLEJRRNY","additional_properties":{"_id":1732704745964},"content":"When your company’s cyber security team contacts you personally, it is rarely for a positive reason.","type":"text"},{"_id":"TSAUC7ZFNZAEHI3ALRNWM3WKXM","additional_properties":{"_id":1732704745965},"content":"In my case, it was to inform me I would no longer be able to access my work emails from my phone. Apparently my device – a second-hand model I bought several years ago – was so old it had become a security risk.","type":"text"},{"_id":"6UNUQZSO7RC6LDOXMUGCJAR6BE","additional_properties":{"_id":1732704745966},"content":"This has simply meant checking my work emails less – many would think hardly a sacrifice. But not all workers without company phones can enjoy this luxury.","type":"text"},{"_id":"UA7PXTIIFVHF3M4FFF4HJ4TSN4","additional_properties":{"_id":1732704745967},"content":"“Bring your own device” (BYOD) policies, where staff are allowed to use a personal phone for work-related tasks, are “more common than ever”, according to technology services company Global Relay. In a survey this year, 67 per cent of companies said they operated such policies, up from 51 per cent in 2023.","type":"text"},{"_id":"H4BKOF5V2NEBJJNF3SV5GXCW6M","additional_properties":{"_id":1732704745968},"content":"Employees appear less than enthusiastic about this trend. A poll commissioned by Motorola last year found 62 per cent of respondents agreed that having work items on their personal devices made it difficult for them to relax, while 54 per cent of those without a work smartphone wanted their organisation to provide one.","type":"text"},{"_id":"ABIVBXVZ2FEUVPPCXH3W7ZQF3Y","additional_properties":{"_id":1732704745969},"content":"David D’Souza, director of profession at the CIPD body for HR workers, says this may not make a difference, however. “The bigger challenge is not who owns the device, it’s what you’re doing on that device and where the boundaries are set.”","type":"text"},{"_id":"ZN6YNFABYRD5PHSIBPJJLUVXR4","additional_properties":{"_id":1732803582943},"content":"Some employees may like accessing their work emails on their personal device – it stops them having to carry around two devices and means all their contacts are in one place. But “there’s a big difference in agency between someone who checks their emails at the weekend to ensure they’re not behind and a boss calling someone [on their personal phone] at 1am”, adds D’Souza.","type":"text"},{"_id":"4UK5X23MVZA5VJNWZGWFLAYH4A","additional_properties":{"_id":1732704745971},"content":"One public sector worker confirms this, saying they are frequently contacted on their personal phone out of hours – including one late-night message chasing them for a “mental health awareness day selfie” for the organisation’s blog.","type":"text"},{"_id":"LDPGMZ2T5RA5JEZH6J5C7NR2HM","additional_properties":{"_id":1732704745972},"content":"Employee wellbeing is not the only worry when it comes to phones. In 2021, JPMorgan paid $200 million (€190 million) to US regulators to settle charges over its Wall Street division using WhatsApp and other apps to communicate with high-profile clients, in breach of federal record-keeping laws.","type":"text"},{"_id":"W7PHNBERPZAMZONFF6DUQT4TS4","additional_properties":{"_id":"3UCDHC6EBNCAHDOPDRUI7OVM24"},"content":"‘Gone are the days of taking a phone call in the open’: why office pods are needed everywhere","type":"interstitial_link"},{"_id":"6XN6TBGYJ5HETEYKQRX5QJZCEI","additional_properties":{"_id":1732704745973},"content":"Oliver Blower, chief executive of VoxSmart, which provides employee-surveillance software, says using personal phones may be appropriate in some sectors. But in a job such as trading, where “anything related to or intended to result in a transaction has to be recorded”, allowing employees to do this on anything other than a corporate-issued device is “penny-wise, pound-foolish”.","type":"text"},{"_id":"U6RAF2BKYJH63CZJPV5PFRA65E","additional_properties":{"_id":1732704745974},"content":"Companies trying to save money with “bring your own device” policies risk falling foul of regulators, he says. “They’re trying to save a few bucks on phone tariffs but they’re getting whacked with $100 million fines. We’ve seen them all swing to BYOD then come back to corporate-issued.”","type":"text"},{"_id":"MPBHK54ARRCY7NVGCICJEUFXCE","additional_properties":{"_id":1732704745975},"content":"Staff in these sectors also have to tread carefully. Some banks now train employees to recognise when conversations on personal phones should be moved to official channels. Others require them to take screenshots of work-related messages on their personal devices to share with compliance departments.","type":"text"},{"_id":"YIMRSWGUUBDCBB5CJZYJFNZ44Y","additional_properties":{"_id":1732704745976},"content":"Blower, a former trader, says: “Everyone wants to use WhatsApp in trading because we use WhatsApp in our personal lives.” His advice to employees is blunt: “If you’re not given the tools to do your job, resign.”","type":"text"},{"_id":"IRVYARHGHZDNFEBE2CZMLYNGAI","additional_properties":{"_id":1732704745977},"content":"Outside highly regulated professions, D’Souza sees the debate of work phone versus BYOD as more “a cultural ... than a technology issue”.","type":"text"},{"_id":"ZGSXWBE2L5HSVIA2RELX7KNJ5M","additional_properties":{"_id":1732704745978},"content":"He says organisations should be aware of staff working hours, although he is sceptical about an official “right to disconnect”. He points to a CIPD survey that found only a fifth of UK workers would actually use such a policy to halt all digital contact outside working hours.","type":"text"},{"_id":"X3XSNC2UM5C6FJ2WH2GYZG5YUY","additional_properties":{"_id":1732704745979},"content":"For some, however, it is not an issue at all. “It’s been about a year since I last switched my work phone on,” says one investment bank analyst.","type":"text"},{"_id":"VIMEQX4EVJDA5HY4PUTLXRRGC4","additional_properties":{"_id":1732704745980},"content":"What if there were a work emergency? “I have my personal number on my email. They could call me on that,” they reply. “But why would I keep my work phone on? It’s not like I’m going to spend my Saturdays checking Teams.” – Copyright The Financial Times Limited 2024","type":"text"},{"_id":"R7P75IMSEFEK3ECM642SOQECJY","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Ben Parr"}]},"description":{"basic":"Using personal devices for work carries risks for employers, while for employees there is no guarantee of a neat divide between work and home life"},"display_date":"2024-11-28T10:00:00Z","headlines":{"basic":"No work phone? 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Longsighted policies, the tremendous work of our state agencies – the IDA and Enterprise Ireland – the dogged efforts of the business community and, close collaboration with the US Embassy and successive Irish Governments, have all resulted in phenomenal growth,” he said.","type":"text"},{"_id":"6OHWQKB5TJA7HLHDPIZF22CZGY","additional_properties":{"_id":1732782347688},"content":"‘We must continue to strengthen these efforts and adapt to support Ireland in achieving a prosperous future, driving continued growth and delivering for our communities and people. 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Toyota’s sales in Japan fell this year due to domestic recalls of the Prius.","type":"text"},{"_id":"KMWNET2WKBCX3E3NIHT3JDWNUU","additional_properties":{"_id":1732779541119},"content":"Production in China declined as it struggled to keep up with BYD and other local players.","type":"text"},{"_id":"XOESXLVFYRCTZNJW3TMQM5MFLU","additional_properties":{"_id":1732779541120},"content":"Honda’s global production in October fell 16 per cent to 340,777 units, including a 46 per cent drop in China. Sales fell 16.7 per cent last month to 309,807 units.","type":"text"},{"_id":"BRLW6ENGTJCAHJGBS4T3W7OGDE","additional_properties":{"_id":1732779541121},"content":"Nissan saw monthly output drop 6.3 per cent to 290,848 units. October production fell 15 per cent in both the US and China.","type":"text"},{"_id":"OAZFPBCFJREW5LUET4WOO56W7Y","additional_properties":{"_id":1732779541122},"content":"Last month, Nissan announced plans to cut 9,000 jobs and reduce manufacturing capacity by 20 per cent after lowering its annual profit outlook by 70 per cent. Chief Executive Officer Makoto Uchida cited weak sales in the US and China as the primary cause of its rapid decline. – Bloomberg","type":"text"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"name":"Nicholas Takahashi"}]},"description":{"basic":"World’s biggest carmaker has seen sales and output fall throughout the year"},"display_date":"2024-11-28T08:23:30.41Z","headlines":{"basic":"Toyota’s sales plateau amid downturn in Japan and China","native":""},"label":{"audio_project_id":{"text":"8948"}},"promo_items":{"basic":{"_id":"YA53ETEX56IKAYKLBBQZ4JPTEM","auth":{"1":"b7d1872ff0f67189fb78753fec296ecd82ad4ebdd76428db59dfa2fe4c144f01"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/YA53ETEX56IKAYKLBBQZ4JPTEM.jpg"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/toyotas-sales-plateau-amid-downturn-in-japan-and-china/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"KKXAWRG7DZFC5GMCDHM7UO23DU","additional_properties":{"audio_duration":227,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/cc5fcf7c-a483-4fe4-955a-e7c15a3aeea0/versions/1732571161/media/cd984a62dc99d611fa34a575ec5ecdf5_compiled.mp3"},"canonical_url":"/politics/2024/11/25/number-of-cross-border-workers-falling-because-of-tax-and-remote-working-rules/","content_elements":[{"_id":"MMCHTYEM2FBH3BRCB2VA7TGEIQ","additional_properties":{"_id":1732202608930},"content":"Private employers on both parts of the island are increasingly reluctant to hire cross-Border workers because of complications about taxes and pensions, complicated by the growth in hybrid and remote working, a major new report has found.","type":"text"},{"_id":"THGQ7JTWPZCVNAYWMOMVI44ONU","additional_properties":{"_id":1732202608931},"content":"Companies large and small “appear to be struggling” to comply with rules, according to a study of the all-island labour market commissioned by the Labour Employer and Economic Forum Shared Island Working Group.","type":"text"},{"_id":"JNWNZ5YWBJCLPNMNPL73GV4JFE","additional_properties":{"_id":1732202608932},"content":"Workers living in the Republic but working in Northern Ireland run foul of tax rules if they work at home at all, even to handle out-of-work calls, the report makes clear. But many workers are unaware of the rules.","type":"text"},{"_id":"C4SPYZR3SVGOHMBJEY5XNTBZHI","additional_properties":{"_id":1732202608933},"content":"Derry-based US insurer Allstate, which has campaigned for changes, said a quarter of its Derry workforce lived in Donegal seven or eight years ago: the number has fallen to just 7 or 8 per cent now.","type":"text"},{"_id":"4WWE4KI2QRCV7E7SOOKYUZNR7M","additional_properties":{"_id":1732202608934},"content":"To comply with the tax rules, Northern employers have been forced to order Republic-based staff back into the offices in Northern Ireland, a move which has been deeply unpopular with many and has led people some to quit their jobs.","type":"text"},{"_id":"FKCJIZICP5A2RKYJAGN2MERKOE","additional_properties":{"_id":1732202608935},"content":"Currently, about 25,000 people work for organisations across the Border from their homes. 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O’Brien.","type":"text"},{"_id":"GXQZH4MONZDLXI4HXNR3MDG23E","additional_properties":{"_id":1732202608939},"content":"“People are quitting jobs [in the private sector] because of being mandated to return to the office and new ones aren’t being hired because it’s too problematic,” he told The Irish Times.","type":"text"},{"_id":"XVZHJSOKBJGQNOL6NAM67AJHJA","additional_properties":{"_id":1732202608940},"content":"Border companies especially would be much better able to grow if they had unimpeded access to talented staff on both sides of the Border, said the report, which was funded by the Government’s Shared Island Unit. “The challenge of retaining existing businesses and skills pools, alongside aspirations to attract new businesses, jobs and talent weighs heaviest on Border counties,” the LEFF report said.","type":"text"},{"_id":"D6ELLQ6ASJDFRKK6FJ7444XBSI","additional_properties":{"_id":1732202608942},"content":"","type":"text"},{"_id":"6FY3L5BTNFH4XPLRNAILFV3RZE","additional_properties":{"_id":1732202608943},"content":"Workers living in the Republic but working in Northern Ireland have for years availed of Transborder Workers’ Relief to pay taxes to the UK’s Revenue & Customs, without a further Revenue Commissioners tax bill if that is their sole source of income.","type":"text"},{"_id":"NW7AB3OWCNDN5AS7RGLLER4NWQ","additional_properties":{"_id":1732202608944},"content":"However, they are not able to claim the relief if they do any work for their Northern Ireland-based employers from their homes in the Republic since exemptions brought in during the Covid pandemic have lapsed.","type":"text"},{"_id":"ZDPEDCVKJZC7ZCDXMNKDC7XV5E","additional_properties":{"_id":1732202608945},"content":"Some employers now report they find the rules “so challenging that they had made the decision not to employ cross-Border workers”.","type":"text"},{"_id":"WVAJR2WAGRBG3B7QHIJWFUVCSY","additional_properties":{"_id":1732202608946},"content":"“Several international companies highlighted that the impact of such decisions and the resulting smaller labour pool made it more difficult to compete with other sites within their parent company for investment/expansion,” said the report.","type":"text"},{"_id":"QG4AZQWCWRD43EFE7S2GE6IHVM","additional_properties":{"_id":1732700344115},"content":"","type":"text"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Mark Hennessy"}},"name":"Mark Hennessy"}]},"description":{"basic":"Companies ‘appear to be struggling’ to comply with rules, especially with remote working, study finds"},"display_date":"2024-11-28T07:37:56.204Z","headlines":{"basic":"Cross-Border worker numbers falling because of tax 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employers on <a href=\"https://www.irishtimes.com/politics/2024/11/25/number-of-cross-border-workers-falling-because-of-tax-and-remote-working-rules/\" target=\"_blank\"><b>both parts of the island</b></a> are increasingly reluctant to hire cross-Border workers because of complications about taxes and pensions, complicated by the growth in hybrid and remote working, a new report has found. Mark Hennessy reports. He also takes a <a href=\"https://www.irishtimes.com/business/economy/2024/11/28/one-border-two-systems-endless-complications/\" target=\"_blank\"><b>more in-depth look at the challenges</b></a> facing employers and their cross-Border staff and how other countries have addressed some of the issues.","type":"text"},{"_id":"GZAZTMHZ2NFUDPORY7AOFDNOII","additional_properties":{"_id":1732736334396},"content":"Senior management at a New York-listed mixed-martial arts training company in which <a href=\"https://www.irishtimes.com/business/2024/11/28/mcgregors-ties-with-new-york-listed-mma-firm-face-uncertainty/\" target=\"_blank\"><b>Conor McGregor is a big shareholder</b></a> have refused to say whether he will continue as its brand ambassador, writes Barry J Whyte as companies and brands distance themselves from the fighter since a jury in a civil action found that he raped Nikita Hand in a Dublin hotel.","type":"text"},{"_id":"QZH7SJVTQ5H5VNQBA45FLNA6KY","additional_properties":{"_id":1732736334397},"content":"Barry also reports on the appointment of receivers to <a href=\"https://www.irishtimes.com/business/2024/11/27/distillery-closes-as-it-fails-to-raise-fresh-funding/\" target=\"_blank\"><b>Mark Reynier’s Waterford Distillery</b></a> after it failed in its effort to raise fresh funding.","type":"text"},{"_id":"E3H3W2WOAJFUVGQBPWQCZCKIGQ","additional_properties":{"_id":1732736334398},"content":"Profits at <a href=\"https://www.irishtimes.com/business/2024/11/27/film-production-powerhouse-element-pictures-sees-profits-halve/\" target=\"_blank\"><b>Element Pictures</b></a>, the multiaward winning production company behind screen hits including the adaptation of Sally Rooney’s Normal People and Poor Things more than halved last year to €2.64 million before tax. Gordon Deegan has the details.","type":"text"},{"_id":"KFTFKEVLW5ADVNOS4GG5ZDOKCY","additional_properties":{"_id":1732736334399},"content":"Better news at <a href=\"https://irishtimes.com/business/2024/11/27/profits-rise-at-parent-company-of-pr-group-wilson-hartnell/\" target=\"_blank\"><b>Ogilvy & Mather Group</b></a>, parent of Dublin advertising and public relations group Wilson Hartnell, where profits jumped 19 per cent last year, allowing the business to pay a dividend to its parent, WPP, for the first time in 12 years. Laura Slattery reports.","type":"text"},{"_id":"R4H3VV6VHNHIHOUID4BWACPJKE","additional_properties":{"_id":1732736334400},"content":"Meanwhile, Ireland’s largest hotels group, Dalata, has attracted the interest of <a href=\"https://www.irishtimes.com/business/2024/11/27/norwegian-hotels-investor-builds-545-stake-in-dalata/\" target=\"_blank\"><b>Norwegian property investor, Eiendomsspar</b></a>, which has built up a 5.45 per cent stake in the business. Joe Brennan reports that the Oslo-based company says it sees the move as a “financial investment” rather than stakebuilding by an active investor. Shares in Dalata, which have fallen 5 per cent so far this year, edged up on the news.","type":"text"},{"_id":"DRG2GTTG2VDAZLKH5O2ZQNRW64","additional_properties":{"_id":1732736334401},"content":"<a href=\"https://www.irishtimes.com/business/2024/11/28/why-the-public-doesnt-buy-the-idea-of-a-green-jobs-bonanza/\" target=\"_blank\"><b>Climate change and green agendas</b></a> and the associated costs can be tricky subjects for politicians as Ireland this week decides on the make-up of its next Government, and Sarah O’Connor in her column suggests they think twice about selling climate action with the promise of “green jobs” as studies on political messaging show that doesn’t tend to be very convincing with the wider public.","type":"text"},{"_id":"FPSPTQU3ORDCPCGF5LLU7BHTXY","additional_properties":{"_id":1732736334402},"content":"In Technology this week, <a href=\"https://www.irishtimes.com/technology/big-tech/2024/11/28/margrethe-vestager-the-worlds-pioneering-tech-cop-is-making-her-exit/\" target=\"_blank\"><b>Margrethe Vestager</b></a> looks back on a decade of high profile clashes with Big Tech as the European Union’s corporate enforcer prepares to move on from her Brussels role.","type":"text"},{"_id":"5JT4SYTASBHG3EKOGSJ272R6VA","additional_properties":{"_id":1732736334403},"content":"And Ciara O’Brien takes a look at the <a href=\"https://www.irishtimes.com/technology/consumer-tech/review/2024/11/28/samsung-galaxy-ring-review-subtle-health-tracking-that-actually-works/\" target=\"_blank\"><b>Samsung Galaxy Ring</b></a> which promises to monitor your health and general wellness accurately without bombarding you with notifications.","type":"text"},{"_id":"OTTBDJATUJET7HIM7USLZRNQHM","additional_properties":{"_id":1732736334404},"content":"Chris Horn’s Innovation examines <a href=\"https://www.irishtimes.com/business/innovation/2024/11/28/airlines-charting-intermediate-courses-on-path-to-sustainability/\" target=\"_blank\"><b>green initiatives in the aviation sector</b></a>, where manufacturers are taking inspiration from sharks and migrating geese in efforts to reduce fuel use, amid a growing realisation that it will take longer to see real cut in emissions from initiatives in sustainable fuel that are still in their infancy.","type":"text"},{"_id":"73PGUVU4EVD73CPUKSKTGTXRCY","additional_properties":{"_id":1732736334405},"content":"And Olive Keogh talks to a Dublin woman who has developed a <a href=\"https://www.irishtimes.com/business/2024/11/28/helping-consumers-make-healthier-and-more-sustainable-choices-about-what-they-eat/\" target=\"_blank\"><b>nutrition app </b></a>promising more granular data about food choices such as a colour-coded nutri-score indicating the nutritional quality of a food or drink, a nova-score indicating how processed your food is and an eco-score, which shows how sustainable a product and its packaging are.","type":"text"},{"_id":"KNG5IYKU6NEYBHJDSNWWZRNX6U","additional_properties":{"_id":1732736334406},"content":"On the <a href=\"https://www.irishtimes.com/podcasts/inside-business/ireland-is-on-a-winning-streak-the-outsiders-view-of-our-economy/\" target=\"_blank\"><b>Inside Business podcast</b></a>, Max Colchester, Britain Correspondent for the Wall Street Journal joins host Cliff Taylor to give an outsider’s view of our economy as the State prepares to go to the polls in Friday’s general election. Consumer Affairs Correspondent Conor Pope also checks whether advertised Black Friday bargains are as good as they seem.","type":"text"},{"_id":"TOGJ6PSGNZH4PNBMDOX5JDLNPE","additional_properties":{"_id":1732733503005},"content":"Stay up to date with all our business news: sign up to our <a href=\"https://www.irishtimes.com/newsletters/\" target=\"_blank\">Business Today</a> daily email news digest. If you’d like to read more about the issues that affect your finances try signing up to <a href=\"https://theirishtimes.lt.emlnk1.com/Prod/link-tracker?redirectUrl=aHR0cHMlM0ElMkYlMkZ3d3cuaXJpc2h0aW1lcy5jb20lMkZuZXdzbGV0dGVycyUzRnV0bV9zb3VyY2UlM0ROZXdzbGV0dGVyJTI2dXRtX21lZGl1bSUzRGVtYWlsJTI2dXRtX2NvbnRlbnQlM0RSU1MlMjUzQUlURU0lMjUzQVRJVExFJTI2dXRtX2NhbXBhaWduJTNEYnVzaW5lc3NfdG9kYXlfZGlnZXN0&sig=4kSj6MVtJhDySXD8zno7jMoXwZGc1dpLM3xhR9Fc9b5k&iat=1673852841&a=%7C%7C89275494%7C%7C&account=theirishtimes%2Eactivehosted%2Ecom&email=Dc0R66saiYNu2sbROXCOD2QOP8ZXmRzMvz3Yw%2BcA7gI%3D&s=0d5371d23ecde798f8f0f88cc635413b&i=21237A21683A12A963031\">On the Money</a>, the weekly newsletter from our personal finance team, which will be issued every Friday to Irish Times subscribers.","type":"text"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Dominic Coyle"}},"name":"Dominic Coyle"}]},"description":{"basic":"The best news, analysis and comment from The Irish Times business desk"},"display_date":"2024-11-28T06:39:24.85Z","headlines":{"basic":"Barriers to cross-Border workers and an outsider’s view of the Irish economy","native":""},"label":{"audio_project_id":{"text":"8948"},"basic":{"display":true,"text":"Business Today Newsletter"}},"promo_items":{"basic":{"_id":"LJ3YXNKALJGKLIUMTFEM5MK53A","auth":{"1":"f9c8204a0394aae2bacc279f76886ccea3f20b0438c7a0cd5ad466e67e653238"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/LJ3YXNKALJGKLIUMTFEM5MK53A.jpg"}},"subtype":"editors-note","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/barriers-to-cross-border-workers-and-an-outsiders-view-of-the-irish-economy/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"UGUT3HKATVGRBMM2M3Z6Z7YV3I","additional_properties":{"audio_duration":262,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/3ae6a906-8e75-4441-a969-6fd94aa5557d/versions/1732722105/media/138efc65004d125756c04ad8e465cc86_compiled.mp3"},"canonical_url":"/business/2024/11/28/mcgregors-ties-with-new-york-listed-mma-firm-face-uncertainty/","content_elements":[{"_id":"WRE35R2EO5GAHNJGWM3I6CLPRM","additional_properties":{"_id":1732718611623},"content":"Senior management at a New York-listed mixed-martial arts training company in which <a href=\"https://www.irishtimes.com/tags/conor-mcgregor/\" target=\"_blank\">Conor McGregor</a> is a big shareholder have refused to say whether he will continue as its brand ambassador.","type":"text"},{"_id":"LVXR4RSSZ5ASVIIVKC6732QSM4","additional_properties":{"_id":1732718611624},"content":"The Irish Times contacted Nick Langton, the chief executive of Alta Global, whose shares trade on the NYSE American exchange, to ask if the company intended to continue with its relationship with McGregor.","type":"text"},{"_id":"AOCD4EVYNVHUTNRWK663BEKXYY","additional_properties":{"_id":1732718611625},"content":"Companies and brands have been <a href=\"https://www.irishtimes.com/ireland/2024/11/26/conor-mcgregor-counting-heavy-cost-of-high-court-branding/\" target=\"_blank\">distancing themselves from McGregor</a> over the past week since a jury in a civil action taken by Nikita Hand found that he raped her in a Dublin hotel in 2018.","type":"text"},{"_id":"7J6W3ZCRSFGBNN2KZXPGYWGCU4","additional_properties":{"_id":1732718611626},"content":"McGregor was ordered to pay Ms Hand €248,603 in damages. McGregor has denied raping Ms Hand, and said he will appeal the decision.","type":"text"},{"_id":"D3YBF2QEYRAHRF3V4GB5XO4QLM","additional_properties":{"_id":1732718611627},"content":"Alta Global has to date declined to make any comment on the matter. Mr Langton did not respond to a message through LinkedIn, while the company’s chief marketing officer, Peter Jarmain, declined to respond to an email and a LinkedIn message.","type":"text"},{"_id":"NYOTB2JKYZF2VHSBICXNMWRV3U","additional_properties":{"_id":1732718611628},"content":"The Irish Times also contacted a US company that handles investor relations and media queries for Alta Global. A representative of the company, called RedChip, said “I don’t answer questions related to Conor McGregor,” before hanging up.","type":"text"},{"_id":"HNRGZVMSAZEUVGJMAFTNUOTB4M","additional_properties":{"_id":1732718611629},"content":"Alta Global was founded in Australia, and one of its co-founders is John Kavanagh, McGregor’s coach. It started as a mixed martial arts training company there, before expanding through a number of acquisitions.","type":"text"},{"_id":"TK2PB7EKBNGGHLQ3TCPHMSJXYM","additional_properties":{"_id":1732718611630},"content":"In its current form it aims to sell an MMA training programme to amateurs and people looking for exercise programmes, both through a network of partner gyms and through its online and social media platforms.","type":"text"},{"_id":"DBXZ755UGBAB7FR3EKEY4MHY5Y","additional_properties":{"_id":1732718611631},"content":"Alta Global has relationships with several gyms in Ireland. According to its website, it is connected to gyms in Clonmel, Cork, Dublin, Louth, Naas and Wexford, three of which are part of John Kavanagh’s Straight Blast Gyms chain.","type":"text"},{"_id":"G74JQZCCHJBLPERLGRJOT2ZRPA","additional_properties":{"_id":1732718611632},"content":"McGregor is a shareholder in the company and in September he was granted bonus shares that could potentially be worth as much as $14 million (€13.3 million) as part of a three-year brand ambassador deal.","type":"text"},{"_id":"MYJF5NDT7RAEVM7J3GUTWGF7SA","additional_properties":{"_id":1732718611633},"content":"In a stock exchange filing, the company said that McGregor could potentially receive 700,000 performance share awards in the company, which will be tied to his ability to boost the company’s share price.","type":"text"},{"_id":"JCHLYG2FK5EKZBJZZQEL4EIXJA","additional_properties":{"_id":1732718611634},"content":"The bonus scheme was based on McGregor’s ability to use his reputation to help the company hit certain share price targets and Langton described his involvement as “a game changer for Alta Global Group”.","type":"text"},{"_id":"BXUK7L2XKNHVNMFME2RDNPROYI","additional_properties":{"_id":1732718611635},"content":"However, since the result of Ms Hand’s civil action against McGregor, brands and companies have been rushing to distance themselves from him.","type":"text"},{"_id":"CM45N7VEH5FBXKUNIOO75KYSIM","additional_properties":{"_id":1732718611636},"content":"His Proper No 12 whiskey brand has been removed from shelves in potentially more than 1,000 outlets across Ireland as part of a growing boycott of any products associated with him, including by the BWG group, Musgraves and Tesco.","type":"text"},{"_id":"B4XZWCHNO5D4TN5EHG7QAV5POE","additional_properties":{"_id":1732718611637},"content":"His Forged Irish Stout brand will also be removed from the shelves of some retail outlets. The Barry Group, which operates the Costcutter stores and Carry Out off-licences, saying that “this action reflects our commitment to maintaining a retail environment that resonates with the values of our customers and partners”.","type":"text"},{"_id":"OBC4YDXRGFA67LVVW4OYVUJK74","additional_properties":{"_id":1732718611638},"content":"Accounts just published for a number of companies behind Forged Irish Stout show combined losses of more than €9 million in 2023.","type":"text"},{"_id":"HSKIO7NX3NBXFGIN3CDFPY2N7A","additional_properties":{"_id":1732718611639},"content":"Meanwhile Proximo Spirits, the Mexican-owned spirits company that bought Proper No Twelve from McGregor in 2021, said it would stop using his name and likeness in the marketing of the whiskey.","type":"text"},{"_id":"DLM4SIPCLNHLNIE4YY6ZEA3NWY","additional_properties":{"_id":1732718611640},"content":"Outside of the drinks industry, other companies have ended their association with McGregor, too. Earlier this week a computer game maker called IO Interactive, developer of a video game series called Hitman, said it would be ending its collaboration with McGregor. It said in a statement, “We take this matter very seriously and cannot ignore its implications. Consequently, we will begin removing all content featuring Mr McGregor from our storefronts starting today.”","type":"text"},{"_id":"PLTYPSNAUVHZDFYXG64AMI2WEU","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"premium"},"credits":{"by":[{"additional_properties":{"original":{}},"name":"Barry J Whyte"}]},"description":{"basic":"AltaGlobal had awarded Dubliner shares worth as much as $14m as part of ambassador deal"},"display_date":"2024-11-28T06:00:00Z","headlines":{"basic":"Conor McGregor’s ties with New York-listed MMA firm face uncertainty","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"ATEWUXFHZLUE2SIMPP5FUI4YJQ","auth":{"1":"24663ca22b3c68bbc04badd50908704c72104698a662feac9e6debb0d2c76031"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/ATEWUXFHZLUE2SIMPP5FUI4YJQ.JPG"}},"subtype":"default","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/mcgregors-ties-with-new-york-listed-mma-firm-face-uncertainty/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"R4GANNGJCZD63BQYPDFCYU54I4","additional_properties":{"audio_duration":307,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/5469/podcasts/18c52f26-7ea9-4245-8d48-1df4fa99414d/versions/1732719016/media/8c7eca2655ec94770aa2aa25fc4b349f_compiled.mp3"},"canonical_url":"/business/2024/11/28/why-the-public-doesnt-buy-the-idea-of-a-green-jobs-bonanza/","content_elements":[{"_id":"DAWURKMZHZCXRDLM57KDJMZ4AA","additional_properties":{"_id":1732717250496},"content":"Last summer, I travelled through the pine forests of northern Sweden to a place called Skellefteå on the fringe of the Arctic Circle. I had managed to book the last room available in a pretty basic hotel next to a busy road, which cost more per night than a nice hotel in central Stockholm. The man on reception told me Skellefteå was bursting at the seams: Northvolt, the electric vehicle battery-maker, had transformed it from “left behind” to “boom town” practically overnight.","type":"text"},{"_id":"CTKSP4CS65ARPEG2OB56F5CMJU","additional_properties":{"_id":1732717250497},"content":"So when Northvolt filed for bankruptcy last week, it wasn’t just a blow for Europe’s hopes to develop a home-grown EV battery supply chain. It was also a blow to the story – a favourite among many politicians – that the road to net zero will be paved with secure “green jobs” in places that need them.","type":"text"},{"_id":"7NIXLR3UZNAZRLO2B5PZR6G33E","additional_properties":{"_id":1732717250498},"content":"In truth, the public never found this tale as compelling as politicians seemed to think. Steve Akehurst of Persuasion UK, which analyses the effectiveness of political messages, has tested a number of “green jobs” arguments as a way to “sell” climate action, but they all tend to fall pretty flat with the public. Politicians, on the other hand, lap them up. “[They] work really well with elites – if you poll MPs, particularly Labour MPs, the best argument is ‘jobs’. When you poll the public, it’s mid-table at best,” he told me.","type":"text"},{"_id":"OT72AMEJQRHRFAIK5Y2AXT7AFY","additional_properties":{"_id":1732717250499},"content":"This isn’t just British cynicism. When Potential Energy, a global non-profit marketing company focused on climate, surveyed 60,000 people in 23 countries, it found a straightforward argument about “protecting the planet for the next generation” was on average 12 times more popular than “creating jobs”.","type":"text"},{"_id":"SYK7CTZ6SNCITIQBJOAY3RW6TI","additional_properties":{"_id":1732717250500},"content":"Why might that be? The context matters. Employment levels have been pretty high in most OECD countries in recent years so “more jobs” isn’t a particularly salient idea for now. In the US, where the Biden administration successfully catalysed green jobs growth, cannily (or so his team thought) concentrated in Republican districts, they didn’t reap the political rewards. One reason was that other issues, such as inflation and immigration, were far more pressing.","type":"text"},{"_id":"DUEP5XXUCFEQVBVW6PNNIRDLXQ","additional_properties":{"_id":1732717250501},"content":"Of course, there are communities where unemployment is high, but many are understandably sceptical of politicians promising new jobs because they have been disappointed before. As Northvolt demonstrated, it is difficult to set up vast new factories from scratch in hitherto declining areas. And these ventures are not immune from problems like hubristic mismanagement or poor health-and-safety standards just because they are “green”. In a rare demonstration of British efficiency, Britishvolt, the UK version of Northvolt, saved everyone some time by going bust before it had even been built.","type":"text"},{"_id":"3JPUFRK7G5A6PGIVUTNPEREA2M","additional_properties":{"_id":1732717250502},"content":"If green jobs don’t have much sway with the public, does that mean the loss of “brown” jobs would be met with a shrug too? Perhaps. But people tend to fear losses more than they value gains. And certain communities have a lot to lose. On average across OECD countries, workers displaced from high-emissions industries face a 24 per cent bigger decline in annual earnings in the six years after dismissal than people losing jobs in low-emission industries.","type":"text"},{"_id":"IJJWAHJAGBGLLNBTUMSURNVO3Y","additional_properties":{"_id":"BGSV6Y7F3VE2FH7MR4HCW62RT4"},"content":"Some ‘green jobs’ are dirty and dangerous","type":"interstitial_link"},{"_id":"B5FRD7G6CJERLCGFAIXTEDSZYM","additional_properties":{"_id":1732717250503},"content":"OECD data shows that high-emission industries are heavily concentrated in specific, mostly rural, places, while the fastest-growing occupations boosted by the transition to net zero are “skill-intensive and predominantly located in urban areas.” Technocratic plans to reskill and relocate people from “brown” to “green” industries look good on paper, but can unravel when it is time to commit to funding and guarantees. Last month, for example, the European gas industry walked away from plans to implement a “just transition” agreement with unions which would have involved retraining for energy workers.","type":"text"},{"_id":"FDSEZ5UETVHWDNSIXN4GBXYFIU","additional_properties":{"_id":1732717250504},"content":"I don’t mean this to be a counsel of despair. Green jobs are far from a mirage: they are being created in their tens of thousands. And it’s not impossible to manage the transition in such a way as to minimise the losses and maximise the gains. But it requires a pragmatic focus on what’s possible and a sharp eye on geography. Sam Alvis, director of energy at UK policy research agency Public First, told me the Labour government’s decision to get Carbon Capture Utilisation and Storage technology off the ground was a good example. CCUS, which captures and stores the carbon otherwise emitted from sites like power stations or cement factories, will create clusters of jobs in communities still dominated by industry such as Teesside, and it will also allow more industrial jobs to continue to exist.","type":"text"},{"_id":"BUJ6GUT3OZEHDKEYL6M4ACTCLQ","additional_properties":{"_id":1732717250505},"content":"Transitions are hard. But the public already knows that. It’s time for politicians to put down the Pollyanna-ish press releases and get on with it. – Copyright The Financial Times Limited 2024","type":"text"},{"_id":"32QSA42ALRBLTC3VJ2MLHLQ2PY","additional_properties":{},"type":"list"}],"content_restrictions":{"content_code":"metered"},"credits":{"by":[{"additional_properties":{"original":{"byline":"Sarah O'Connor"}},"name":"Sarah O'Connor"}]},"description":{"basic":"People understand that transitions are hard – politicians need to as well"},"display_date":"2024-11-28T06:00:00Z","headlines":{"basic":"Why the public doesn’t buy the idea of a ‘green jobs’ bonanza","native":""},"label":{"audio_project_id":{"text":"5469"}},"promo_items":{"basic":{"_id":"BFCTZC7BSXFXL3GXYOCF7M753M","auth":{"1":"6dd4ab2b2152f89b59bc23a5b69b6c99c0c8e9bdd94af1cc108b14ba88239792"},"url":"https://cloudfront-eu-central-1.images.arcpublishing.com/irishtimes/BFCTZC7BSXFXL3GXYOCF7M753M.jpg"}},"subtype":"opinion","taxonomy":{"sections":[{"name":"Business"}]},"type":"story","website_url":"/business/2024/11/28/why-the-public-doesnt-buy-the-idea-of-a-green-jobs-bonanza/","websites":{"irishtimes":{"website_section":{"_id":"/business","additional_properties":{"original":{}},"name":"Business"}}}},{"_id":"RDY36RLSUFF6ZP6J7XJRB7C5PU","additional_properties":{"audio_duration":169,"audio_url":"https://d22tbkdovk5ea2.cloudfront.net/audio/projects/8948/podcasts/1dbaff0c-14ad-47db-9e94-7bbc0cd7a7a7/versions/1732733436/media/86435519287e6d30fe4f055031093fa8_compiled.mp3"},"canonical_url":"/business/2024/11/28/eggonomic-record-will-food-prices-affect-how-people-vote/","content_elements":[{"_id":"IKNTAB3KYFCKXPWSAN5HTVLXTM","additional_properties":{"_id":1732728152457},"content":"One forgotten dubious moment from the US presidential election campaign trail was <a href=\"https://www.irishtimes.com/tags/jd-vance/\" target=\"_blank\">JD Vance</a> castigating <a href=\"https://www.irishtimes.com/tags/kamala-harris/\" target=\"_blank\">Kamala Harris</a> for a dozen eggs costing $4 €3.78) while standing in front of a supermarket display that was clearly selling them for $2.99.","type":"text"},{"_id":"52S6TDVWZRFSHAB5VIQGYA6VZA","additional_properties":{"_id":1732728152458},"content":"Logic-scrambling though this may have been, there was a solid reason why Donald Trump and his vice-presidential pick wanted to talk about the price of consumer staples, and why, after Trump won, the Republican focus on “eggflation” was said to have helped the party poach voters.","type":"text"},{"_id":"LSAT2RHD7NHIXLZ2OSOKFQNRKQ","additional_properties":{"_id":1732728152459},"content":"As economist Austin Hughes points out in his commentary on November’s Credit Union consumer sentiment index, the average cost of a dozen eggs in the US rose from $1.82 in October 2021 to $4.82 in January 2023. Prices then fell back, dropping to $3.32 in October 2024, but this still represents a cumulative increase of 82 per cent over the past three years – a leap exacerbated by bird flu.","type":"text"},{"_id":"WBIINLF5IVEYRDMCVJAEBZRZ3Q","additional_properties":{"_id":1732728152460},"content":"Such increases tend to “exert an outsized impact on consumer thinking as to how severe the cost-of-living pressures they face may be”, says Hughes in his analysis of the “eggonomy”.","type":"text"},{"_id":"KJIEH4AWDBG7TGQYXHL5SKV22E","additional_properties":{"_id":1732728152461},"content":"In other words, dramatic price movements for just one frequently bought consumer staple can deepen the “feel-bad” factor among consumers. 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