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eclr:9105 | Uacht a dhéanamh | making a will |
eclr:9106 | ní féidir leat uacht a dhéanamh go dtí go mbíonn tú 18 mbliana d ’ aois mura bhfuil nó mura raibh tú pósta . | you cannot make a will until you are aged 18 unless you are or have been married . |
eclr:9107 | d ’ ainm a athrú | changing your name |
eclr:9108 | féadfar sloinne an linbh a athrú ar Chlár na mBreitheanna ach ní tharlaíonn sé ach i gcúinsí speisialta . | the Surname of a child can be changed in the Register of Births but only in certain circumstances . |
eclr:9109 | mar sin féin , féadfar sloinne an linbh a athrú trí ghníomhas dlí nó trí úsáid choitianta . | however , the Surname of a child can also be changed by deed poll or common usage . |
eclr:9110 | féadfaidh leanaí atá idir 14 agus 17 mbliana d ’ aois gníomhas Dlí a chomhlíonadh iad féin , ach bíonn toiliú ón bheirt thuismitheoir riachtanach . | children aged between 14 and 17 years can execute the deed poll themselves but need the consent of both parents . |
eclr:9111 | nuair a bhíonn leanbh faoi bhun 14 bliana d ’ aois , caithfidh tuismitheoir amháin an gníomhas Dlí a chomhlíonadh le toiliú an tuismitheora eile . | Where a child is under the age of 14 years , one of the child 's parents must execute the deed poll with the consent of the other parent . |
eclr:9112 | cead pleanála | planning permission |
eclr:9113 | má tá tú chun teach a thógáil beidh ort cead pleanála a fháil . | if you are going to build a house in Ireland , you will need planning permission . |
eclr:9114 | má tá tú chun síneadh a chur le teach atá agat cheana féin , nó aon athrú eile a dhéanamh leis , d ' fhéadfadh sé go mbeadh cead pleanála ag teastáil uait . | if you are going to build an extension or make other changes to your existing house , you may need planning permission . |
eclr:9115 | go hiondúil ní theastaíonn cead pleanála le haghaidh síneadh beag a chur le teach , nó le haghaidh teach gloine ach ba cheart duit é seo a chinntiú roimh duit tosnú ar an obair thógála . | some small extensions and conservatories do not need planning permission but you should make sure of this before you start building . |
eclr:9116 | beidh d ' údarás áitiúil in ann comhairle a thabhairt duit maidir leis seo , chomh maith le n-insint duit cén chaoi le hiarratas a dhéanamh agus comhairle ginearálta a chur ort maidir le d ' iarratas . | your local authority will be able to advise you about this and tell you how to apply as well as giving you general advice about your application . |
eclr:9117 | beidh d ' údarás áitiúil in ann insint duit freisin an bhfuil do chuid moltaí ag teacht le plean forbartha do cheantair . | your local authority will also be able to tell you whether your proposals are likely to comply with the development plan for your area . |
eclr:9118 | ta trí chinéal cead pleanála ann : cead , cead imlíne agus ceadú bunaithe ar chead imlíne . | there are three types of planning permission : permission , outline permission and permission consequent on outline permission . |
eclr:9119 | is é cead , nó lánchead mar a thugtar go minic air , an ceann is coitianta dóibh seo . | the most common type is permission , sometimes called full permission . |
eclr:9120 | má fhaigheann tú cead imlíne , beidh ort pleananna cuimsitheacha a chur ar fáil agus cead bunaithe ar chead imlíne a fháil roimh duit tosnú ar obair thógála . | if you get outline permission , you will have to submit detailed drawings and receive consequent permission before you start building work . |
eclr:9121 | seasann cead imlíne go hiondúil ar feadh trí bliana . | generally , outline permissions have a 3-year duration . |
eclr:9122 | is coir atá ann aon obair a dhéanamh a dteastaíonn cead pleanála dí gan an cead sin a fháil agus is féidir fíneáil an-trom agus príosún a ghearradh ort dá bharr . | it is an offence to carry out any work that requires planning permission , without planning permission , and the offence can carry very heavy fines and imprisonment . |
eclr:9123 | más fíor-dhearmad a bhí ann , is féidir cur isteach ar chead pleanála chun an fhorbairt a choinneáil . | however , if a genuine mistake has been made , it is possible to apply for planning permission to retain an unauthorised development . |
eclr:9124 | d ' fhéadfadh sé go ndiúltófaí an cead seo agus sa chás seo ní mór an fhorbairt a threascradh . | this permission may be refused , in which case , the unauthorised development will have to be demolished . |
eclr:9125 | is féidir le aon duine cóip de d ' iarratas a fheiceáil agus má íocann sé / sí táille de 20 euro cuntas / tuairimí scríofa a thabhairt air . | anyone can see a copy of your application and on payment of a fee of 20 euro , can make a written submission / observation on it . |
eclr:9126 | cuirfear scéal chugatsa agus chuig aon duine a thug tuairim ar an iarratas nuair atá cinneadh déanta . | the decision on your planning permission will be notified to you and anyone who commented in writing on it . |
eclr:9127 | má thugann an t-údarás áitiúil cead pleanála , gheobhfaidh tú fógra toile go bhfuil cead pleanála le bronnadh . | if the local authority decides to give you planning permission , you will get a notice of intention to grant planning permission . |
eclr:9128 | Muna ndéanann aon duine achomharc chuig An mBord pleanála taobh istigh de 4 sheachtain den dáta sin gheobhfaidh tú deonú ceada ón údarás áitiúil . | if no one appeals the decision to An Bord Pleanála within 4 weeks of the date of this decision , you will get grant of permission from the local authority . |
eclr:9129 | rialacha | rules |
eclr:9130 | caithfidh tú fógra poiblí de do phlean a thabhairt roimh duit iarratas a dhéanamh . | you must give a public notice of your proposals before making an application . |
eclr:9131 | ní mór duit é seo a dhéanamh tré fhógra a chur i bpáipéar áitiúil ( beidh liosta ag d ' údarás áitiúil ) agus fógra suímh a chur in áit gur féidir é a léamh go soiléar . | this must be done by placing a notice in a locally circulating newspaper ( your local authority will have a list ) and putting up a site notice that can be clearly read . |
eclr:9132 | gheobhaidh tú sonraí den eolas nach mór a bheith sna fógraí ar an bhfoirm iarratais ar chead pleanála . | you will find details of information that must be contained in the notices in the planning application form . |
eclr:9133 | caithfidh tú an t-iarratas a chur chuig an údarás áitiúil taobh istigh de choicís ón lá a raibh an fógra sa pháipéar áitiúil agus an fógra a bheith croctha ar an suíomh . | the application must be received by the local authority within 2 weeks of the notice appearing in the local newspaper and the erection of the site notice . |
eclr:9134 | caithfear an fógra suímh a fhágáil ann ar feadh ar a laghad 5 sheachtain ón lá go bhfaigheann an t-údarás áitiúil an t-iarratas pleanála . | the site notice must remain in place for at least 5 weeks from the date of receipt of the planning application . |
eclr:9135 | ní féidir tosnú ag tógáil roimh duit deonú ceada a fháil . | you must not start building before you receive the grant of permission . |
eclr:9136 | is iondúil go mbíonn coinníollacha ag baint leis an gcead pleanála agus d ' fhéadfadh sé go mbeadh athruithe le déanamh agat ar do phlean len iad a shásamh . | normally , planning permission is subject to conditions , some of which may require changes to your proposals . |
eclr:9137 | is iondúil go seasann cead pleanála ar feadh 5 bliana . | planning permission normally lasts for five years . |
eclr:9138 | d ' fhéadfadh sé go mbeadh ort íoc as cuid den chostas a bhaineann le bóthar , córas uisce agus séarachais a sholáthar . | you may be required to make a financial contribution towards the construction of any road , water supply or sewerage that may be necessary . |
eclr:9139 | má dhiúltaíonn an t-údarás áitiúil le d ' iarratas , tabharfar cúiseanna duit . | if the local authority refuses your application , it will give you the reasons for this . |
eclr:9140 | beidh 4 sheachtain agat ó dháta an chinnithe sin achomharc a chur chuig An mBord pleanála . | you have 4 weeks from the date of this decision to appeal to An Bord Pleanála . |
eclr:9141 | Rataí | rates |
eclr:9142 | beidh táille le n-íoc agat le d ' iarratas . | you have to pay a fee with your application . |
eclr:9143 | tá táillí éagsúla i gceist ag brath ar an gcineál forbartha . | different fees apply to different types of development . |
eclr:9144 | faoi láthair is 65 euro an táille a bhaineann le iarratas a dhéanamh teach a thógáil . | the current fee for an application to build a house is 65 euro . |
eclr:9145 | tríocha a ceathair euro an táille a ghearrtar ar dhuine a dhéanann iarratas ar Shíneadh a chur le teach nó le athrú a dhéanamh ar gharáiste , & amp ; rl a bheidh in úsáid mar chuid den teach . | the fee for a house extension or the conversion of a garage , etc . , for use as part of a house is 34 euro . |
eclr:9146 | conas iarratas a dhéanamh | how to apply |
eclr:9147 | cuireann tú isteach ar chead pleanála tré fhoirm iarratais ar chead pleanála a líonadh agus í a sheoladh leis na cáipéisí cuí chuig do údarás áitiúil . | you apply for planning permission by filling in a planning application form and submitting it together with required documents to your local authority . |
eclr:9148 | is fiú labhairt leis an údarás áitiúil roimh duit iarratas a dhéanamh . | it is a good idea to talk to the local authority before you make an application . |
eclr:9149 | d ' fhéadfadh sé seo am a shábháilt ort amach anseo . | this may save you long delays later on . |
eclr:9150 | má tá tú ag fostú ailtire go hiondúil déanfaidh sé / sí an t-iarratas ar do shon . | if you are employing an architect , he / she will normally make the application on your behalf . |
eclr:9151 | go hiondúil beidh ort na cáipéisí seo a leanas a sheoladh isteach le d ' iarratas : | in general , you will need to submit the following documents with your application : |
eclr:9152 | mapa de láthair an tsuímh ( 6 chóip ) | a location map ( 6 copies ) . |
eclr:9153 | plean suímh nó plean den leagan amach ( 6 chóip ) | site or layout plan ( 6 copies ) . |
eclr:9154 | pleananna , ingearchlóanna agus léaráidí trasghearrtha ( 6 chóip ) | other plans , elevations and sections ( 6 copies ) . |
eclr:9155 | cóipeanna de na fógraí poiblí ( nuachtáin agus suíomh ) | copies of public notices ( newspaper and site ) . |
eclr:9156 | plean a léiríonn cár crochadh an fógra / na fógraí suímh | a plan showing the position of a site notice or notices . |
eclr:9157 | nuair is cuí , teastas a d ' eisigh an t-údarás pleanála ag deimhniú nach bhfuil i gceist san fhorbairt mholta ach 4 theach ar a mhéid nó forbairt tithe ar thalamh de 0.2 hectar nó níos lú . | Where appropriate , a certificate issued by the planning authority verifying that the development proposed is for no more than 4 houses or for housing development on land of 0.2 hectares or less . |
eclr:9158 | má cuireadh isteach ar theastas den chinéal seo agus muna bhfuil an teastas eisithe is leor cóip den iarratas , lena mbaineann riachtanais faoi leith ann féin , a chur isteach . | if such a certificate has been applied for but not issued , a copy of the application , which itself must meet specific requirements , will suffice . |
eclr:9159 | an táille chuí | the appropriate fee . |
eclr:9160 | más iarratas ar chead imlíne amháin atá i gceist , ní mór na cáipéisí a bhfuil marc orthu thuas a bheith leis an iarratas . | if the application is for outline permission only , the documents marked in the above list must be submitted . |
eclr:9161 | déantar é seo ar mhaithe le deis a thabhairt don údarás pleanála cinneadh a dhéanamh maidir leis an suíomh , an leagan amach nó moltaí eile forbartha atá san iarratas . | this is to enable the planning authority to make a decision in relation to the siting , layout or other proposals for development in the application . |
eclr:9162 | pinsin gairme in Éirinn | occupational pensions in Ireland |
eclr:9163 | de ghnáth , bíonn scéimeanna pinsin gairme ag fostóirí móra ach tá go leor do na fostóirí beaga nach bhfuil . | in general , large employers in Ireland have occupational pension schemes , but many smaller employers throughout the country do not . |
eclr:9164 | tá rialacha áirithe ag baint le gach scéim phinsin . | each pension scheme has its own set of rules . |
eclr:9165 | tá na scéimeanna pinsin stiúrtha ag tÚdarás Pinsean . | pension schemes nationally are generally regulated by the Pensions Authority . |
eclr:9166 | tá cearta áirithe ag baill na scéimeanna maidir le nithe ar nós eolais . | members of schemes have certain rights in respect of such matters as information . |
eclr:9167 | is féidir leat faoiseamh cánach ar ranníocaíochtaí a fháil ar chuid de na scéimeanna pinsin gairme atá ceadaithe . | Contibutions to approved occupational pension schemes may attract tax relief . |
eclr:9168 | tá rialáil le haghaidh cháin maoirsithe ag an Cheantar Sochar scor na gCoimisinéirí Ioncaim . | Regulation for tax purposes is supervised by the retirement Benefits District of the Revenue Commissioners . |
eclr:9169 | rialacha | rules |
eclr:9170 | níl aon dualgas dleathúil ar fhostóirí scéim phinsin a chur ar fáil d ' hostaithe . | there is no legal obligation on employers to provide occupational pension schemes for employees . |
eclr:9171 | ach mar sin féin , tá níos mó agus níos mó fostóirí ag bunú scéimeanna agus spreagann an rialtas iad go mór chun é seo a dhéanamh . | however , more and more employers are putting schemes in place and there is positive government encouragement to do so . |
eclr:9172 | pinsin gairme agus pinsin phearsanta | occupational pensions and personal pensions |
eclr:9173 | Eagraíonn fostóirí pinsin gairme le pinsean a chur ar fáil d ' fhostaí nó d ' fhostaithe nuair a théann siad amach ar phinsean nó nuair a fhaigheann fostaí bás , go mbeidh pinsean ag na cleithiúnaithe a mhaireann . | occupational pensions are organised by employers to provide pensions to one or more employees on retirement or to surviving dependants on the death of an employee . |
eclr:9174 | Baineann reachtaíocht chánach agus reachtaíocht seirbhísí airgeadais le CBS . | RACs are governed by tax legislation and financial services legislation . |
eclr:9175 | níl siad rialaithe ag an mBord Pinsean . | they are not regulated by the Pensions Authority . |
eclr:9176 | is féidir leat a bheith i do bhall de scéim phinsin gairme agus ag an am céanna pinsean pearsanta a bheith agat freisin . | you may be a member of an occupational pension scheme and also arrange a personal pension . |
eclr:9177 | ach , ní gá go mbeidh tú in ann sochair cánach a fháil ar an dá phinsean . | however , it may not be possible to avail of the tax benefits in respect of both . |
eclr:9178 | ní féidir leat ranníocaíochtaí a dhéanamh chuig scéim phinsin gairme agus pinsean pearsanta ag an am céanna maidir leis an bhfostaíocht chéanna . | you may not contribute to an occupational pension scheme and a personal pension arrangement at the same time in relation to the same employment . |
eclr:9179 | ach , is féidir leat pinsean pearsanta a shocrú maidir leis an méid a shaothraíonn tú ó fhostaíocht eile nó ón bhféinfhostaíocht . | however , you may make a personal pension arrangement in respect of earnings from another employment or from self-employment . |
eclr:9180 | áfach ní bheidh aon fhaoiseamh cáin ar ranníocaíochtaí leanta . | however , tax relief will not be given to continued contributions . |
eclr:9181 | ó 2003 ar aghaidh , tháinig Cuntais Coigiltis scoir Pearsanta ( CCSP ) i bhfeidhm . | from 2003 onwards , Personal retirement Savings Accounts ( PRSAs ) became available . |
eclr:9182 | tá siad seo deartha le gur féidir le fostóirí nach mian leo urraíocht a dhéanamh ar scéim pinsin gairme úsáid a bhaint astu . | these are designed to be used instead of occupational pension schemes by employers who do not wish to sponsor such schemes . |
eclr:9183 | is féidir iad a úsáid freisin chun cur le sochair scéim gairme , mar ranníocaíochtaí Breise deonacha ( RBD ) agus in ionad scéimeanna pinsin phearsanta . | they may also be used to supplement occupational scheme benefits , as Additional Voluntary contributions ( AVCs ) and as a substitute for personal pension schemes . |
eclr:9184 | tá tuilleadh eolais ar CCSP ( pdf ) ar fáil ó láithreán gréasáin Bhord na bPinsean . | further information on PRSAs ( pdf ) is available from the Pension Authority 's website . |
eclr:9185 | Cinéalacha pinsin gairme | kinds of occupational pensions |
eclr:9186 | déanann tú féin agus an fostóir ranníocaíochtaí isteach sa scéim ranníocach . | in contributory schemes , both you and your employer pay contributions towards the scheme . |
eclr:9187 | déanann d ' fhostóir ranníocaíochtaí isteach sa scéim neamhranníocach , ach ní íocann tusa tada . | in non-contributory schemes , you do not contribute but your employer does . |
eclr:9188 | scéimeanna maoinithe | funded schemes |
eclr:9189 | tá beagnach gach scéimgairme maoinithe - tá na ranníocaíochtaí curtha isteach i gciste faoi leith agus Baintear na sochair as an gciste seo . | virtually all occupational schemes are funded - the contributions are put into a designated fund and the benefits are paid from that fund . |
eclr:9190 | pinsean na seirbhísí poiblí an eisceacht is mó , áit nach bhfuil aon chiste agus íoctar na sochair as ciste reatha an rialtais . | the most notable exception is the public service pension arrangement where there is no fund and benefits are paid out of current government funds . |
eclr:9191 | bunaíodh cúlchiste Náisiúnta na bPinsean ( CNP ) le ciste a sholáthar as a íocfar pinsin na seirbhíse poiblí agus pinsin leasa shóisialaigh sa todhchaí . | a National Pensions Reserve Fund ( NPRF ) has been established to provide a fund that can be drawn upon for future payments of public service and social welfare pensions . |
eclr:9192 | tá seo difriúil ó scéimeanna pinsin maoinithe . | this is different from funded pension schemes . |
eclr:9193 | sna scéimeanna maoinithe , tá suim díreach agat sa chiste mar bhall den scéim . | in a funded scheme , you are a member of the scheme and you have a direct interest in the fund . |
eclr:9194 | níl aon éileamh díreach agat ar an CNP . | you have no direct claim on the NPRF . |
eclr:9195 | scéimeanna sainmhínithe Sochair | defined benefit schemes |
eclr:9196 | tá an sochar atá tuillte agat sainmhínithe ar bhealach éigin a bhaineann le d ' ioncam , le fad do sheirbhíse , le innéacs nó is méid socraithe é i Scéim sainmhínithe Sochair . | a defined benefit scheme is one where the benefit entitlement is defined in some way by reference to your earnings , your length of service , an index or a fixed amount . |
eclr:9197 | mar sin bíonn a fhios agat roimhré mar shampla go mbeidh do phinsean leath de do thuarastal deireanach má tá 40 bliain seirbhíse oibrithe agat , nó go mbeidh sé méid áirithe sa tseachtain . | so , you know in advance that your pension will be , for example , half of your final salary if you have 40 years service or that it will be a certain amount each week . |
eclr:9198 | seans go mbeidh gá na ranníocaíochtaí a athrú ó am go chéile le scéimeanna sainmhínithe sochair le cinntiú go mbeidh an ciste in ann do leibhéal na sochar . | in defined benefit schemes , the contributions may have to be varied from time to time in order to make sure that the fund can meet the level of benefits . |
eclr:9199 | tá scéimeanna áirithe i bhfeidhm inár féidir leis an bhfostóir cur leis an gciste más gá . | some schemes have provisions for the employer to top up the fund if necessary . |
eclr:9200 | scéim Ranníocaíochta sainmhínithe | defined contribution scheme |
eclr:9201 | bíonn an ranníocaíocht socraithe tríd comhaontú i Scéim Ranníocaíochta sainmhínithe ach déantar na sochair a mheas ar luach na ranníocaíochtaí a dhéantar faoin scéim agus níl siad socruithe roimh ré . | a defined contribution scheme is one where the contribution is fixed by agreement but the benefits are decided by reference to the value of the contributions paid under the scheme and are not fixed in advance . |
eclr:9202 | dá bhrí sin ní bhíonn a fhios agat cén leibhéal pinsin a gheobhaidh tú . | so , you do not know what level of pension you will get . |
eclr:9203 | pinsin gairme agus pinsin leasa shóisialaigh | occupational pensions and social welfare pensions |
eclr:9204 | oibríonn na pinsin gairme agus na pinsin phearsanta neamhspleách on gcóras pinsin leasa shóisialaigh agus níl aon nasc reachtúil eatarthu . | occupational and personal pensions operate independently of the social welfare pension system and there is no statutory link between the two . |
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