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Ireland: Retiring to Ireland:

I am by no means an expert on UK-Eire relations but you might find this article comforting. I would love to hear opinions on what this means post-Brexit for UK citizens looking to retire to Ireland. Do income, etc. requirements still apply? https://www.irishtimes.com/news/ireland/irish-news/irish-and-uk-citizens-common-travel-area-rights-protected-1.3337125

Global Expat Forum: Location based on finances NOT wants:

You would probably qualify for residency in Eastern Europe, Portugal, Spain and maybe France. You can buy a house in Spain for €500,000 or in Portugal for as low as €280,000 and get a golden visa. I think Ireland, UK, and northern Europe may be out of reach. Hope this helps.

Denmark: U.S. Denmark Bilateral Visa Agreement:

I read recently that Denmark has a bilateral agreement with the U.S. that permits U.S. passport holders to travel to Denmark without counting those days in the 90 days permitted under Schengen. This bilateral agreement predates Schengen but is still in place. So an American can spend 90 days in the Schengen area then travel to Denmark for another 90 days before leaving. But when you leave Denmark, if you have used up the 90 day allocation, you can travel only to a non-Schengen country. Also, if you start your trip in Denmark and then travel to another Schengen country, the 90 days starts when you first arrive in Denmark. Does anyone have experience with this? Seems like an interesting work-around for an extended European vacation. Does anyone know of other EU countries that have such bilateral agreements with the U.S.? I heard possibly Poland.

Global Expat Forum: Bilateral Visa Agreements with U.S.:

I read recently that Denmark has a bilateral agreement with the U.S. that permits U.S. passport holders to travel to Denmark without consideration for the Schengen 90 day rule. This bilateral agreement predates Schengen but is still in place so an American can spend 90 days in the Schengen area then travel to Denmark for another 90 days before leaving. Reportedly, you can leave Denmark and travel only to a non-Schengen country. Also, if you start your trip in Denmark and then travel to another Schengen country, the 90 days starts when you first arrive in Denmark. Does anyone have experience with this? Seems like an interesting work-around for an extended European vacation. Does anyone know of other EU countries that have such bilateral agreements with the U.S.? I heard possibly Poland.

Ireland: Buying a property in Co donegal:

Biggest concerns I would have would be 1) planning permission - best to stop by the County Council office and check out the file to make sure property conforms to what was permitted and 2) septic/well issues so make sure your engineer doesn't stop at the building structure. My engineer cost about €400 before VAT and my solicitor cost about €3000 before VAT. You will also pay stamp duty probably at 1%. Other fees included title search and land registry fees which totaled about €850 for me. I would make sure that: 1. seller vacates the premises prior to closing 2. no furniture or other personal property is included in sale without your express agreement 3. try to meet engineer on site to make sure you both agree on condition of property

Portugal: Can I buy an apto without being a perm resident ?:

Here is a source from 2011 on the issue of extending a PT tourist visa beyond 3 months. Not as simple as leaving PT and then returning although it apparently can be done while still in PT. An appointment is needed and there are required documents. I think one should be very cautious of this, however, especially if you are looking to buy an apartment. You may get this extension (if still available) once or twice but there are any assurances it can be done indefinitely. At some point, officials may get suspicious that you are no longer a tourist but a part-time resident. http://www.transitionsabroad.com/listings/living/articles/visa-extension-in-portugal.shtml

Portugal: Newbie questions on an expected move in 2 years:

nirlay, for the apt. you are looking at, completion risk would be my biggest concern. Has developer acquired the site and all required permits? How will the project be financed? Does the developer have the equity required to complete? Does the developer have a track record of successful projects? Is there bank financing in place for the project? How will completion be guaranteed? What happens to your investment if they cannot raise all required capital? What are the closing costs - fees, commissions, etc.? If they cannot answer these questions, I would be concerned.

Ireland: Moving to Ireland:

Ivy, immigration to the EU is getting harder and harder. A popular option for many non-EU citizens is to enroll in school which would give you a couple of years to look for a job. Another is to be an entrepreneur, set up an EU-based company and hire a few employees. Third option is to buy a €500,000 house in Portugal or Spain.

Ireland: property market:

If you are foreign, best to pay all cash and make sure seller is motivated. Some are not. If you get an accepted offer, make sure listing is removed from market. Closing attorneys will move like molasses. That is how things work. Sellers try to play this game of separating furniture from real esate so make sure you are not buying any furnishings.

Spain: Long Term Visa:

Yes TV. The EC visa allows non-EEA nationals the right to live and work anywhere in the EU without restrictions. Only the UK, Ireland and I think on either country (probably Nordic) are exempt.

Ireland: Nice areas to rent around Limerick:

Adare is just outside of Limerick and is a beautiful city. Not sure about availability of rental housins or the cost.

Portugal: Madonna moves to Sintra!:

AgaIn, I only care about property values. Does anyone think Madonna's purchase and other conspicuous consumption of homes in Portugal will be good for your property investments?


Great feedback, Dave. Thanks for making the effort. The devil is in the details however, and to me this disclosure generates more questions than it answers. For example, will it be gross rental income or net operating income that is counted? Also, will they accept only trailing income or will they give you credit for current monthly income if a lease has been recently signed? D you need to show a tax return to get the credit? I also wonder if INIS has any intent to publish rules such as the one you pried out of them. There are many similar questions on qualifying criteria that have not been answered but this may be a good start. Let's hope so.

Portugal: Cell phone:

Thanks for the feedback However, I have not had good experiences trying to rely exclusively on wifi in hotels, public areas, restaurants or bars only to find that wifi is down or working poorly. I am now thinking of the following choices: 1) getting an international sim card, 2) trying T-Mobile pay-as-you-go for $55 per month which gives me free text, free data and $0.20 per minute voice overseas, 3) paying $52 per year for a personal Skype phone number or 4) use Google Voice (but not reliable I have read) and pay $20 to port my US mobile number. Also, I can rely on WhatsApp, Skype, or WeChat for voice calls or text messages when all else fails. Here is a useful link: https://expertvagabond.com/international-cell-phone-service-travel/

Ireland: INIS SPEAKS! (sorta...):

Interesting, Dave. But given that INIS issued their proposed Stamp 0 rules on Sept. 11, 2016 with no public comments since then, I remain skeptical that anyone at INIS wants to deal with this issue. Given the low number of applicants, I cannot say I blame them although publishing a detailed set of rules would save everyone a lot of time. In any case, the Dail is on vacation for another 48 days. I am sure certain that INIS currently has their hands full with visa applications of all types and with a new Taoiseach and Justice Minister in place, I suspect little will happen this year. Further, I suspect that the interest of INIS in dealing with this issue has wained and that they prefer to continue to deal with retirees on a case by case basis.

Ireland: (Paying Taxes in U.S & Ireland):

These tax treaty and related documents are unfortunately beyond my ability to fully interpret and I have not yet found a tax professional who is fully versed in the subject.. Dave or anyone else, is the paragraph below an accurate description of the tax treatment of US social security of full-time Irish residents? If you are defined as an Irish resident for tax purposes, Ireland will want to tax all of your income including US social security. Therefore, you must file an Irish tax return and determine your tax liability. Based on the tax treaty, however, any U.S. income tax paid on this income will be treated as a credit against Irish tax. If no US income tax is paid on this income, you must pay the total tax liability based on Irish tax rates. My estimate of my Irish tax liability shows that I will pay more taxes as an Irish tax resident than as an American tax resident. I have heard the opposite from some people who have stated that the tax treaty allows you to pay taxes only in Ireland. But I think the reason is simply that the effective tax rates in Ireland are higher than the effective tax rates in the States. So it seems that all Irish tax residents are liable to pay at least some Irish tax. Does anyone have a different understanding? Also, if my social security income is direct deposited to an Irish bank, will this information become known to the Irish revenue authorities?

Ireland: New Irish Census Statistics:

David, interesting results that you have summarized although I cannot view the link you provided. Looking at the overall figures, however, a few other stats are interesting: "The number of immigrants to the State in the year to April 2016 is estimated to have increased by almost 15% from 69,300 to 79,300, while the number of emigrants declined over the same period, from 80,900 to 76,200. These combined changes have resulted in a return to net inward migration for Ireland (+3,100) for the first time since 2009." "Irish nationals continue to experience net outward migration, although at a much lower level than in the previous year, falling from 23,200 to 10,700, while net inward migration among non-Irish nationals grew for the fourth year in a row, from 11,600 to 13,800." So what is all the concern about Stamp 0 immigrants if the overall population of Ireland has experienced essentially as much outward migration as inward? Is it because the people leaving Ireland are Irish and the people moving in are not? Assuming 1,000 Stamp 0 residents, non-EEA retirees appear to represent 0.02% of the current population of the Republic. According to INIS, they approved 250 new and renewal Stamp 0 applications in 2015. 250 out of 69,300 new immigrants is also 0.2%. Is this crackdown on non-EEA residents a solution in search of a problem?

Ireland: New Justice Minister:

Subsequent to the election of the new Taoiseach Leo Varadkar, the new Minister for Justice and Equality is Charlie Flanagan of Laois, who most recently was Minister of Foreign Affairs. The former Justice Minister, Frances Fitzgerald has been appointed the new Minister for Enterprise and Innovation. Recently, Minister Flanagan publicly supported on behalf of Jane Fadely, an Irish American who moved to County Kerry and was later denied residency in Ireland as a result of the Stamp 0 rules changes. Unfortunately, Minister Flanagan's efforts were in vain as Jane has returned to the U.S. I encourage all concerned to reach out to the new Justice Minister and request that the issue of Stamp 0 permissions be further examined and amended to allow non-EEA persons of independent means wishing to make an positive economic and cultural contribution to the Irish State the ability to reside in Ireland under reasonable and clear policies.

Ireland: Not Moving To Ireland:

I agree that there does not appear to be any published amount but people have reported that INIS has written to them and, upon review of their Stamp 0 application, have told them they need $100,000-$150,000 in an account. Although written as "Savings equal to the cost of buying a home in Ireland", I think they no longer use this criteria. I think they simply want these funds in reserve in order to insure the applicant will not be a burden on the State. I assume these costs represent estimated costs for things such as a nursing home and repatriation or other emergency funds that my be required down the line. However, after the Sept. 2016 public consulation, INIS recommended changes to Stamp 0 policy: http://www.justice.ie/en/JELR/Public_Consultation_Sept_2016_-_Non-EEA_Retirees.pdf/Files/Public_Consultation_Sept_2016_-_Non-EEA_Retirees.pdf which read as follows: "A lump sum of a minimum of €100,000 on deposit or net assets (which may include real estate property) certified to be at that level must be demonstrated. Where a couple are joint applicants the total minimum net assets would be €150,000." Also, "Some trade off will be permitted between net assets and net income." SO INIS has obviously given this issue additional thought. However, no other details have been given and these recommendations are now 9 months old with no follow-up reported. It is unclear whether INIS remains intent on making these changes. My concerns are that the financial thresholds are still unreasonable and that there may never be any published details on the precise rules to follow including such things as the trade-off between net assets and net income.

Ireland: Renting before Buying:

Pete, you probably already know this but areas with the cheapest rental prices are probably the worst places to buy. If you plan on renting only 6 months before buying, you might want to rent in an area that has seen strong price appreciation over the last year or two and areas with a growing employment base. Dublin suburbs might be one of the best options but if you want to buy in Kerry or West Cork, consider areas the Cork suburbs (Ringaskiddy, Kinsale), Also, Westport, Co. Mayo is becoming a magnet for hi-tech companies. A real estate agent who I worked with seems high on the Kenmare area especially the Ring of Kerry towns. Also, Skibbereen, Co. Cork has a growing economy due to its attraction for hi-tech companies.

Ireland: Is this a new Stamp 0 "catch 22"?:

Although this policy change seems to be about "outing" undocumented foreigners, similar to what some states are trying to do in the US, my instincts tell me that it was an oversight not to exclude legal foreign residents from this requirement. Time will tell but we may not know for quite a while given how busy INIS appears to be at present.

Ireland: Banking:

Also, I do ot believe you need an Irish address to open an Irish bank account. At least, I didn't. In fact, I opened my BOI account from the States using mu US address and funded it electronically. I then did an Irish bank to Irish bank transfer when closing my home purchase. However, I think it is far easier to open an Irish bank account in Ireland where you can walk into a branch. Dave's suggestions sound like the best path.

Ireland: establishing residency:

I believe Ireland operates their immigration policy differently from much of the EU. Since Ireland is not a Schengen country, the rules are unclear - at least to me - regarding how long a non-EEA person must remain outside of Ireland after their 90 days expires. So, I would be worried about the Garda's ability to deny a person entry especially if they appear to be coming to Ireland often. Also, although a typical visa waiver allows a person to stay in Ireland for 90 days, the Garda reportedly has a lot of power to deny admission or limit admission without regard to these customary rules if they have suspicions of intent to remain or for other reasons. In practice, I cannot say how often people are turned away or told they only have limited time to stay but I know it has happened to at least one person who has posted in this forum.

Spain: Retiring to Spain:

I have been looking a little also in Portugal. If you are considering the golden visa program, my only advice I can give you at this stage is to keep an eye on the program as it may or may not last long in its current form. Pressure from EU I am told to get rid of it or to make it more expensive.

Ireland: Irish Central Survey:

Many/most of you has probably seen this article but for those who have not, it's another survey by IrishCentral that reinforces the strong connection between Ireland and Irish Americans. More survey results coming in the near future. http://www.irishcentral.com/roots/exclusive-survey-what-irish-americans-most-like-and-dislike-about-ireland


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