Askaboutmoney.com http://www.askaboutmoney.com/ The Irish Consumer Finance website en Thu, 17 May 2012 04:48:22 GMT vBulletin 60 http://www.askaboutmoney.com/images/misc/rss.jpg Askaboutmoney.com http://www.askaboutmoney.com/ Rest of Ireland Recommend a carpenter in Drogheda http://www.askaboutmoney.com/showthread.php?t=169190&goto=newpost Thu, 17 May 2012 00:00:13 GMT Thanks Thanks ]]> Recommend tradesmen and suppliers. gebbel http://www.askaboutmoney.com/showthread.php?t=169190 JSA denied. UK born citizen. Advice please http://www.askaboutmoney.com/showthread.php?t=169189&goto=newpost Wed, 16 May 2012 22:35:01 GMT Hi all. Some advice/help required. I`ve been... Hi all. Some advice/help required. I`ve been living in Belfast for the past month after moving (after a break up) from Holland. I moved here after several weeks flat hunting and travelling back and forth. I finally found a place and signed a private lease on the 16th of last month. I paid my deposit/1st months rent with what i had. I then contacted my local Benefits Office seeking advice until i found work. Since this day last month when i applied for Jobseekers I haven`t received anything. I`ve been told (after enquiring several times) that JS was denied. When i asked why i was told theres a letter on its way. After waiting (foolish) i went back to the office where i was told the reason my claim was denied was "i`ve not been a habitual resident in the UK for the past 14 years". Prior to 13 months in Holland i was in Dublin.

Can someone please advise me why/how my claim was denied?

I signed on 2 weeks ago and will sign on on Friday. I`m a UK born citizen and i`m getting really angry about the way im being treated. I don`t want handouts, just help until I get settled.

Any advice would be much appreciated

John McCann ]]> Welfare and state benefits johnsammc http://www.askaboutmoney.com/showthread.php?t=169189 Change in job - redundancy? http://www.askaboutmoney.com/showthread.php?t=169188&goto=newpost Wed, 16 May 2012 21:50:27 GMT I am due to return to work having been on... I am due to return to work having been on maternity and unpaid leave for a year. During my absence my job has been changed so when I return, I will not be doing the job which I left, well maybe 10% of it. I am seriously thinking of resigning for a number of reasons, one of which is a very long commute with a small child. Am I correct in thinking that I am entitled to return to work to the exact same job which I left and if this is not available to me, do I have an entitlement to redundancy? Thanks for your views/comments. ]]> Lane7 http://www.askaboutmoney.com/showthread.php?t=169188 What VAT rate should i be charging http://www.askaboutmoney.com/showthread.php?t=169187&goto=newpost Wed, 16 May 2012 21:13:00 GMT Hello, I am renting cleaning equipment into the... Hello, I am renting cleaning equipment into the healthcare sector what rate of vat would this fall under??? checked revenue website but can find nothing relating to rental on it ]]> Taxation thomas98798 http://www.askaboutmoney.com/showthread.php?t=169187 Apartment or not http://www.askaboutmoney.com/showthread.php?t=169186&goto=newpost Wed, 16 May 2012 20:52:41 GMT Hi, I am thinking about buying aparmtment at the... Hi,
I am thinking about buying aparmtment at the moment, no clue what the actual market value is at the moment. I was looking at D15, 14 ,16 18 and most advise I get is to wait, no way should I be paying 150 K for 2 bed apartment in this market as the price will defo decrease by 20 %, any suggestions / advise ? ]]> Location, Location, Location richard Dunn http://www.askaboutmoney.com/showthread.php?t=169186 Giving Notice on a 12 month contract http://www.askaboutmoney.com/showthread.php?t=169185&goto=newpost Wed, 16 May 2012 19:59:44 GMT I am returning to a former employer on a contract... I am returning to a former employer on a contract basis. I knew where I stood in terms of giving and receiving notice as an employee. I don't know my rights and responsibilities as a self employed contractor.

I am not sure it will work out and I really don't want to be obliged to work there for the 12 months if I hate it. Can anyone advise if there is a standard set of rules or if it depends on the wording of the contract?

Thank you ]]> Work, Careers, Employment rights, further education/training 3littlefish http://www.askaboutmoney.com/showthread.php?t=169185 To buy or not to buy? http://www.askaboutmoney.com/showthread.php?t=169184&goto=newpost Wed, 16 May 2012 19:50:58 GMT Hi all, My wife and I have identified a house... Hi all,

My wife and I have identified a house we would like to buy. We are FTB's. We are in the process of getting mortgage approval and were happy with the property price. However, the uncertainty with the Greek situation and it's possible contagion effect on Spain, Italy and ourselves and the Euro as a currency has stopped us in our tracks.

Having (luckily) avoided getting caught up in buying during the peak of the bubble and being able to rent and save since then, my fear would be if we were to buy now and then for a euro split to happen (in any of the possible ways listed in various threads) and that our mortgage would stay in the stronger euro vs the punt nua or whatever.

I was wondering how you all see the next few years panning out, and if you would buy or not?? We are lucky enough to both have good jobs and have savings so bank has said mortgage won't be an issue.

And incidentally, we were in two banks and they were saying they are much busier in terms of mortgage applications. Bank talk I know but if it is true, is everyone else not as overly concerned as I am?

Thanks for any input you provide. ]]> Mortgages and buying and selling homes Irishbuck http://www.askaboutmoney.com/showthread.php?t=169184 Greek Bank Deposit Flight http://www.askaboutmoney.com/showthread.php?t=169183&goto=newpost Wed, 16 May 2012 19:08:43 GMT Interesting and worrying developments in Greece,... Interesting and worrying developments in Greece, with regard to deposits, in recent day.

Depositors are moving money, en masse, to German and Swiss bank accounts.

Obviously what is happening in Greece is of significance to all of the Eurozone. However, is what is happening with deposit holders in Greece, just isolated, for just the time being, to Greece?

From the WSJ:

Quote:
Greek President Karolos Papoulias told the country's political leaders that bank withdrawals plus buy orders received by Greek banks for German bunds totaled some €800 million on Monday, a transcript of his comments said. A central bank official confirmed the figures.
From the FT:

Quote:
Athens-based bankers said withdrawals exceeded €1.2bn on Monday and Tuesday – 0.75 per cent of all deposits – as President Karolos Papoulias failed in two final meetings with conservative, socialist and leftwing leaders to form a national unity government.
From ZeroHedge:

Quote:
While the long-term decline in bank deposits over the past 3 years has been well documented both on Zero Hedge and elsewhere, it is the most recent, acute post-election phase that has not gotten much coverage. Greece may be on the verge of the final collapse. And courtesy of Russian_market, here is a picture of the first Greek ATM lines.
And if you think Irish deposit rates are high, Greece is at over 6 times base ...

Greek Deposit Rates:

Quote:
6.50% AER for a 6 months term deposit.
]]> Deposits CiaranT http://www.askaboutmoney.com/showthread.php?t=169183 MBNA increasing interest rate on credit cards http://www.askaboutmoney.com/showthread.php?t=169182&goto=newpost Wed, 16 May 2012 18:50:22 GMT I have 2 MBNA credit cards both of which were... I have 2 MBNA credit cards both of which were 10.9% interest rate. They are both up to their limit and I pay off the minimum payment each month. Total 16000 between two cards. I can't get a loan to pay them off until I clear a couple of other loans hopefully next year.
They have sent me a letter to say the interest rate on both cards is increasing to 16.9%. Obviously I am not happy about the increase and wonder if there is anything I can do. If I reject the change I am unclear as to whether they will want me to pay off the balance in full which I can't do or if I can close the account and just continue to pay it off.
Any advice welcome. ]]> Banking, credit cards, etc partnership http://www.askaboutmoney.com/showthread.php?t=169182 USC Calculation help! http://www.askaboutmoney.com/showthread.php?t=169181&goto=newpost Wed, 16 May 2012 18:32:31 GMT Quick question Individuals are exempt from USC... Quick question
Individuals are exempt from USC where their total income is less the 10036

What is total income? does it include Income that is exempt from USC?

for instance -- person earns 5k rent & gets 15k SW pension

do they pay usc on the 5k because their total income is 20K

or are they exempt because their income to which USC would normally apply is less then 10036? ]]> Taxation WindUp http://www.askaboutmoney.com/showthread.php?t=169181 overpayment on mortgage http://www.askaboutmoney.com/showthread.php?t=169180&goto=newpost Wed, 16 May 2012 18:32:23 GMT Hi, is it better if you have a lump sum to pay... Hi, is it better if you have a lump sum to pay it all off the amount you borrowed for your mortgage in one go or is it better to overpay an extra amount each month thus reducing it by degrees? We had a discussion on this the other evening with one person saying one thing and one the other??????????? ]]> Mortgages and buying and selling homes miriammary http://www.askaboutmoney.com/showthread.php?t=169180 Rest of Ireland Recommend a plumber for Navan Area http://www.askaboutmoney.com/showthread.php?t=169179&goto=newpost Wed, 16 May 2012 18:27:31 GMT Hi folks,can anybody recommend a plumber in the... Hi folks,can anybody recommend a plumber in the Navan area, thanks. ]]> Recommend tradesmen and suppliers. brigadear http://www.askaboutmoney.com/showthread.php?t=169179 Risky to book flights to Greece for August/September? http://www.askaboutmoney.com/showthread.php?t=169178&goto=newpost Wed, 16 May 2012 18:23:29 GMT Hi there We were thinking of travelling to... Hi there

We were thinking of travelling to Greece this year for a short visit to Athens and then the rest of our time between one or two islands.

I don't want to book flights and accommodation if its a case that I will end up not being able to travel if the economic and political situation worsens. Any advice or speculation to offer? Would it be wise to forget it and book something else? ]]> Dee101 http://www.askaboutmoney.com/showthread.php?t=169178 Refusal to send out refusal letters... ?? http://www.askaboutmoney.com/showthread.php?t=169177&goto=newpost Wed, 16 May 2012 18:14:56 GMT Ive been told by AIB that i 'do not meet the criteria' to make a mortgage application. Thats fine, thats their business. I shouldnt count as a mortgage refusal if i cant make the application in the first place......

However im fuming that its their policy not to send me out an official letter stating this. If i am to look for alternative local authority funding, i am supposed to be able to provide two mortgage refusal letters.

So theres the catch 22... ]]> Mortgages and buying and selling homes sydthebeat http://www.askaboutmoney.com/showthread.php?t=169177 Planning Steps http://www.askaboutmoney.com/showthread.php?t=169176&goto=newpost Wed, 16 May 2012 17:18:33 GMT Hi Guys, Looking for a bit of advice. I may... Hi Guys,

Looking for a bit of advice. I may be able to buy a plot of land from a friend who was refused planning due to them putting down on the planning forms a city address (they wanted to move to countryside)This was the main reason why they were refused.

They have gotten fed up with Ireland and are moving abroad, doesnt want the land anymore.

My question is, how long do you have to be living in an area before you can apply? I am 5 years living in my housing estate which is within 5 miles from land and would love to build myself.

Some people tell me its 10 years, others, say its 3, is there a definative rule on this?

Any other tips?

As always, thanks a mill. ]]> Mortgages and buying and selling homes djsim http://www.askaboutmoney.com/showthread.php?t=169176