Is a Garda Pension taxed as income?

pjmn

Just wondering - was in company last night and two guys in the group claimed that a Garda pension is not taxed as income (indeed they claimed that all public sector pensions are non taxable), I thought it was?

Can anyone cast light on the correct answer?

Thank you...

ardmacha

Don't listen to everything you hear in a pub.

cyclopath2001

pjmn wrote: »

Just wondering - was in company last night and two guys in the group claimed that a Garda pension is not taxed as income (indeed they claimed that all public sector pensions are non taxable), I thought it was?

The two guys are completely, 100% wrong.

LookBehindYou

pjmn wrote: »

Just wondering - was in company last night and two guys in the group claimed that a Garda pension is not taxed as income (indeed they claimed that all public sector pensions are non taxable), I thought it was?

Can anyone cast light on the correct answer?

Thank you...

They are fully taxable. Fact.

not yet

pjmn wrote: »

Just wondering - was in company last night and two guys in the group claimed that a Garda pension is not taxed as income (indeed they claimed that all public sector pensions are non taxable), I thought it was?

Can anyone cast light on the correct answer?

Thank you...

Right....
Lets finally put this to bed, All PS staff pay towards their pension, when they are paid this pension the state pension is means tested, in effect getting 20-30% of it, which saves the state 140e approx a week.

bonzos

As unemployed tradesman I have recently lost out to retiring gardai when applying for a number of often low paid maintenance and driving jobs. Often the guy who got the job had no revelant experience or qualifications. I question one employer on why retiring gardai (with pensions)were being given the positions and I was told that they needed to top up their pensions as many of them were retiring in their mid 50's. One bus company owner informed me that he was told by a soon to retiring garda that he wanted to be top of the list if any driving jobs came available. I feel that this is a total disgrace at a time that there is over 400,000 people on the dole and god knows how many more who are not entitled to welfare due to being self employed. Total greed and abuse of their power!!!!!!!!!!We (the tax payer) are getting totally shafted by all the people who are being paid to protect us.

Uriel.

bonzos wrote: »

As unemployed tradesman I have recently lost out to retiring gardai when applying for a number of often low paid maintenance and driving jobs. Often the guy who got the job had no revelant experience or qualifications. I question one employer on why retiring gardai (with pensions)were being given the positions and I was told that they needed to top up their pensions as many of them were retiring in their mid 50's. One bus company owner informed me that he was told by a soon to retiring garda that he wanted to be top of the list if any driving jobs came available. I feel that this is a total disgrace at a time that there is over 400,000 people on the dole and god knows how many more who are not entitled to welfare due to being self employed. Total greed and abuse of their power!!!!!!!!!!We that tax payer are getting totally shafted by all the people who are being paid to protect us.

Are you suggesting that the retired Gardai in question are using their former careers (and current contacts) to force/threaten potential employers to give them preferential treatment when recruiting new employees?

I don't see the problem with retired Gardai taking up new employment just because there are people elsewhere unemployed. They will pay the relevant tax on all income (pension and additional income earned through employment)

bonzos

I must be just a coincidence that these guys are able to find employment at a time when 400k+ people are unable:rolleyes:

Turner

Oh my oh my another anti garda thread :rolleyes::rolleyes::rolleyes:

How about Paramedics and firemen who retire and get another job?? The scroungers!!!

"We the tax payer" Because we all know Gardai pay no tax, they threaten the tax man into not taking any money off them.

Maybe ex-Gardai get driving jobs ahead of other candidates because they have successfully completed Standard Advanced and Escort driving courses while they were out protecting the "tax payer" for the past 30 years.

later12

OP Maybe he means that there is no DIRT tax charged on deposits of Revenue approved Pension Schemes. Then again you could simply be over 65 and meet certain revenue conditions to pay no DIRT anyway.

donegal11

not yet wrote: »

Right....
Lets finally put this to bed, All PS staff pay towards their pension, when they are paid this pension the state pension is means tested, in effect getting 20-30% of it, which saves the state 140e approx a week.

what! how did all public sector staff pay towards their pension? I hope you don't mean the pension levy which the vast majority of public sector pensioners never paid into as it was only introduced a few years ago. The 140euro saving! how? both pensions are coming out of the states budget no matter what, it would be just an accounting issue if at all.

As far as garda getting jobs after they retire I see no problem with it in that the have to pay tax on the additional income(no cash in hand) and if they where the best for the job why not.But in saying that I would jealous of a garda retiring at 50 getting a full pension plus a considerable lump sum retirement payment tax free and then getting a full time job, but hey blame the system not the player.

not yet

bonzos wrote: »

As unemployed tradesman I have recently lost out to retiring gardai when applying for a number of often low paid maintenance and driving jobs. Often the guy who got the job had no revelant experience or qualifications. I question one employer on why retiring gardai (with pensions)were being given the positions and I was told that they needed to top up their pensions as many of them were retiring in their mid 50's. One bus company owner informed me that he was told by a soon to retiring garda that he wanted to be top of the list if any driving jobs came available. I feel that this is a total disgrace at a time that there is over 400,000 people on the dole and god knows how many more who are not entitled to welfare due to being self employed. Total greed and abuse of their power!!!!!!!!!!We (the tax payer) are getting totally shafted by all the people who are being paid to protect us.

I'm sure low paid jobs were the last thing on your mind 5 years ago when you were earning 1k a week

not yet

donegal11 wrote: »

what! how did all public sector staff pay towards their pension? I hope you don't mean the pension levy which the vast majority of public sector pensioners never paid into as it was only introduced a few years ago. The 140euro saving! how? both pensions are coming out of the states budget no matter what, it would be just an accounting issue if at all.

As far as garda getting jobs after they retire I see no problem with it in that the have to pay tax on the additional income(no cash in hand) and if they where the best for the job why not.But in saying that I would jealous of a garda retiring at 50 getting a full pension plus a considerable lump sum retirement payment tax free and then getting a full time job, but hey blame the system not the player.

So if I stay in bed for 65years then go and collect a pension of 236e thats the same as paying into a pension, and yeah I paid into a pension before the levy...get your facts straight...paid it for 26 years and it's called superanuation.

Gumbo

donegal11 wrote: »

what! how did all public sector staff pay towards their pension? I hope you don't mean the pension levy which the vast majority of public sector pensioners never paid into as it was only introduced a few years ago. The 140euro saving! how? both pensions are coming out of the states budget no matter what, it would be just an accounting issue if at all.

As far as garda getting jobs after they retire I see no problem with it in that the have to pay tax on the additional income(no cash in hand) and if they where the best for the job why not.But in saying that I would jealous of a garda retiring at 50 getting a full pension plus a considerable lump sum retirement payment tax free and then getting a full time job, but hey blame the system not the player.

you need to brush up on your facts......
PS staff paid into their pensions long before the pension levy was introduced.....:rolleyes:

not yet

kceire wrote: »

you need to brush up on your facts......
PS staff paid into their pensions long before the pension levy was introduced.....:rolleyes:

It's this type of stupid nonsense that has the witch hunt against ordinary PS workers.....

Delancey

Someone posted not so long ago asking if Gardai paid income tax :rolleyes:

irishh_bob

bonzos wrote: »

As unemployed tradesman I have recently lost out to retiring gardai when applying for a number of often low paid maintenance and driving jobs. Often the guy who got the job had no revelant experience or qualifications. I question one employer on why retiring gardai (with pensions)were being given the positions and I was told that they needed to top up their pensions as many of them were retiring in their mid 50's. One bus company owner informed me that he was told by a soon to retiring garda that he wanted to be top of the list if any driving jobs came available. I feel that this is a total disgrace at a time that there is over 400,000 people on the dole and god knows how many more who are not entitled to welfare due to being self employed. Total greed and abuse of their power!!!!!!!!!!We (the tax payer) are getting totally shafted by all the people who are being paid to protect us.

guards have a network like no other profession in this country , every single guard who retires in this country can get a job if they so wish , upon retiring about five years ago , the local seargant in my area was working for the local builder - developer within a month , labouring etc , lost five stone within a couple of months on the job , as many of the locals were heard to comment , jim only begain working at 53

they also get big knockdowns when it comes to buying cars etc


p.s , two of my uncles are guards , one retired , the other still serving

irishh_bob

not yet wrote: »

I'm sure low paid jobs were the last thing on your mind 5 years ago when you were earning 1k a week

1 k per week , 200 quid less per week than the average copper was on up untill 2009

Paulzx

irishh_bob wrote: »

they also get big knockdowns when it comes to buying cars etc

I look forward to seeing your link to back that one up.............nah, didn't think so:rolleyes:

bonzos

not yet wrote: »

I'm sure low paid jobs were the last thing on your mind 5 years ago when you were earning 1k a week

I never earned €1k a week in my life,how many gardai can say that??

later12

I never put my life or my health in risk at work, how many Guards can say that?

irishh_bob

Paulzx wrote: »

I look forward to seeing your link to back that one up.............nah, didn't think so:rolleyes:

try living in the real world some time

do you honestly think those in the car trade divulge such info

dogs in the street know that guards have always gotten favours of business people , beit publicans to hire centres who hire out cement mixers or various power tools

irishh_bob

later10 wrote: »

I never put my life or my health in risk at work, how many Guards can say that?

the majority of them

waits for calls for a link :rolleyes:

Paulzx

irishh_bob wrote: »

try living in the real world some time

do you honestly think those in the car trade divulge such info

dogs in the street know that guards have always gotten favours of business people , beit publicans to hire centres who hire out cement mixers or various power tools

I live very much in the real world.

Where i don't live is in the bitter world of public service hatred that you inhabit especially focused at nurses, teachers, guards but not excluding anyone else that draws a public wage

Guards getting deals on cement mixers..FFS..Would you ever get a life!!!

Go back to your "dogs on the street" and get some more gems for me

later12

Deals on cement mixers?!

Someone call back the IMF tell them 'no-can-do', Sergeant Murphy got 30% off a power drill in Woodies! We're f*cked!

irishh_bob

Paulzx wrote: »

I live very much in the real world.

Where i don't live is in the bitter world of public service hatred that you inhabit especially focused at nurses, teachers, guards but not excluding anyone else that draws a public wage

Guards getting deals on cement mixers..FFS..Would you ever get a life!!!

Go back to your "dogs on the street" and get some more gems for me

we all do a bit of DIY work on our own time , my uncle ( sergeant in dublin ) built on an extension to his house a few years ago , done all the work himself , didnt have to pay the local hire centre a penny for the hire of the cement mixer , kango hammer etc , he didnt ask , they just said dont worry about it when it came to clearing the bill

guards get special treatment when it comes to shopping for various items , not everywhere but it does happen , im not saying this means our police force are more corrupt than any other force throughout europe but its silly to deny that a badge doesnt afford you some leverage

Paulzx

irishh_bob wrote: »

we all do a bit of DIY work on our own time , my uncle ( sergeant in dublin ) built on an extension to his house a few years ago , done all the work himself , didnt have to pay the local hire centre a penny for the hire of the cement mixer , kango hammer etc , he didnt ask , they just said dont worry about it when it came to clearing the bill

guards get special treatment when it comes to shopping for various items , not everywhere but it does happen , im not saying this means our police force are more corrupt than any other force throughout europe but its silly to deny that a badge doesnt afford you some leverage

You seem to have a relative to suit every situation.

The uncle(guard in Dublin)
The cousin (nurse in wales)
The sister in Brighton
........and whatever else pops up during the course of the next "debate"

I think i'll confer on you the title of Boards.ie anecdote king

Congratulations..........now i'm off to do some diy with a free digger

Gumbo

irishh_bob wrote: »

try living in the real world some time

do you honestly think those in the car trade divulge such info

dogs in the street know that guards have always gotten favours of business people , beit publicans to hire centres who hire out cement mixers or various power tools

I look forward to seeing your link to back that one up.............nah, didn't think so :rolleyes:

alejandro1977

irishh_bob wrote: »

labouring etc , lost five stone within a couple of months on the job , as many of the locals were heard to comment , jim only begain working at 53

they also get big knockdowns when it comes to buying cars etc


p.s , two of my uncles are guards , one retired , the other still serving

A recently retired Guard was heard to remark in a pub that he never realised the price of a pint until he retired

mikemac

bonzos wrote: »

As unemployed tradesman I have recently lost out to retiring gardai when applying for a number of often low paid maintenance and driving jobs. Often the guy who got the job had no revelant experience or qualifications.

The garda has probably completed advanced driving courses. Useful skills to have which the employer recognized.
They might have no experience driving machinery but they'll learn quickly

irishh_bob

kceire wrote: »

I look forward to seeing your link to back that one up.............nah, didn't think so :rolleyes:

see post 23

later12

alejandro1977 wrote: »

A recently retired Guard was heard to remark in a pub that he never realised the price of a pint until he retired

Maybe it's just me but my first thought was that he probably had to be careful about hanging around in pubs as a Garda. One of my friends is the son of a rather un-remarkable and sober district judge and informed me that there is an unwritten rule widely held in that profession that one doesn't engage heavily in socialising and in fact often takes his or her leave from the scene during his or her judicial career. I'm sure many Gardai feel they have a similar responsibility, as I think would I.

Gumbo

irishh_bob wrote: »

see post 23

see post 28

Victor

not yet wrote: »

in effect getting 20-30% of it

If the highest rate of tax is 41% (+PRSI+levies), how can it be taxed at you stated 70-80%?

not yet

Victor wrote: »

If the highest rate of tax is 41% (+PRSI+levies), how can it be taxed at you stated 70-80%?

I'll make this point as clearly as I can,

If I pay into my PS pension fund for 40years and get 400 per week on retirement,(my state pension is means tested)........now if I never worked a day in my life, I would get 236e per week state pension, when this is means tested against my PS pension (which I have paid towards) I would get in the region of 80-100e thus saving the state somewhere around 136-156e per week. so all in all my working in the PS and paying 130e per week towards my pension (282,000) over 40years saves the state money....now I'm trying very very hard not to be short here, but if people dont get that concept they can @%&$ off.

therecklessone

not yet wrote: »

Right....
Lets finally put this to bed, All PS staff pay towards their pension, when they are paid this pension the state pension is means tested, in effect getting 20-30% of it, which saves the state 140e approx a week.

What rate of PRSI are you paying?

If you were paying class A1 PRSI you'd qualify for the contributory old age pension, but your PS pension would be reduced to take account of the amount received under the contributory OAP.

later10

later10 wrote: »

the son of a rather un-remarkable and sober district judge and informed me that there is an unwritten rule widely held in that profession that one doesn't engage heavily in socialising and in fact often takes his or her leave from the scene during his or her judicial career. I'm sure many Gardai feel they have a similar responsibility, as I think would I.

What about all the Gardai that drink and drive as they reckon they have the badge on them so they're fine ? I suppose as I don't have a "link" to back it up it doesn't happen :rolleyes:

monkeypants

A friend of a friend is a retired guard and he once went to the hospital for a check up and they gave him a heart transplant that he didn't even need, for free. They also gave him a spare heart for nothing. The doctor said that the taxpayers would just have to pay for it all. Disgusting. Shocking. Outrageous.

True story.

Japer

not yet wrote: »

If I pay into my PS pension fund for 40years and get 400 per week on retirement....

if you do that, the type of public servant you should have been was a Guard. They can retire on full pension after only 30 years service, so thats why so many have retired in their late 40's on full pension. The average salary of a guard is 1200 p.w. / 60k a yeak, in round figures. On retirement they get a "gratuity" 18 months salary tax free , and a pension of 50% of their finishing salary , for life. If their finishing salary was 70 or 90 k ( quite possible if not probable due to promotion etc ), then their annual pension is 35 to 45k. Glad to see they pay tax on that if not the 105 to 135 gratuity lump sum.

Turner

RoverJames wrote: »

What about all the Gardai that drink and drive as they reckon they have the badge on them so they're fine ? I suppose as I don't have a "link" to back it up it doesn't happen :rolleyes:

Tell that to this Garda, and he was a Superintendent.

Garda arrested on drink-driving suspicion
RTE - Friday, 30 March 2007 11:59


A Garda Superintendent in charge of a Regional Traffic Division has been arrested on suspicion of drink driving.

Superintendent Jim Fitzgerald, who is less than a month in the job, was arrested in Galway last night.

He was driving an official unmarked garda car at the time.

He was taken to Loughrea Garda Station after he was reported by a member of the public, but it is understood he refused to take the test.

He was released but it is understood that proceedings will be taken against him.

Under the new Road Traffic Legislation refusing to take a test for drink-driving carries a disqualification of three years off the road.

Japer

Chief--- wrote: »

He was taken to Loughrea Garda Station after he was reported by a member of the public, but it is understood he refused to take the test.

" after he was reported by a member of the public" is the important bit....the Gardai had to be seen to be doing their job . If it was a routine check point and no innocent "members of the public" present, what do you think the chances would be of him getting breathalised ? Reminds me of the story of the supeintendant being in the pub when it was raided 5 minutes after closing time - would ye like a pint or a transfer ?

people are only human. Most Guards are very decent, even though they are overpaid + overpensioned.

Alfasudcrazy

irishh_bob wrote: »

they also get big knockdowns when it comes to buying cars etc

Really - I never found that! There's a lovely Ferrari F430 on carzone I think I will be off to the dealer tomorrow and give it a try. :rolleyes:

Alfasudcrazy

later12 wrote: »

Maybe it's just me but my first thought was that he probably had to be careful about hanging around in pubs as a Garda. One of my friends is the son of a rather un-remarkable and sober district judge and informed me that there is an unwritten rule widely held in that profession that one doesn't engage heavily in socialising and in fact often takes his or her leave from the scene during his or her judicial career. I'm sure many Gardai feel they have a similar responsibility, as I think would I.

Well my experience was that this 'rule' is the exception rather than the rule for both professions.

Pickled Dick

Why are you grave digging a 3 year old thread?

Alfasudcrazy

irishh_bob wrote: »

try living in the real world some time

do you honestly think those in the car trade divulge such info

dogs in the street know that guards have always gotten favours of business people , beit publicans to hire centres who hire out cement mixers or various power tools

Dogs are often wrong though - I went into Halfords recently to buy something and the shop assistant (who was new to the job and knew I was a guard) asked me at the till what's the Garda discount. I had to ask him what he meant and he was bewildered when I told him no such thing existed. All prices in shops these days are computerised and require a bar code to scan so the ability of a cashier to give discounts to anyone garda or otherwise is impossible but it was a measure of how such misinformed views are floating around out there.

Alfasudcrazy

Pickled Dick wrote: »

Why are you grave digging a 3 year old thread?

Have not been on here for a while so just catching up and I just retired from the garda so it interests me.

custom900

Holy thread revival, Batman!