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Forum: Supermarket shopping 17-10-2014, 11:42 AM
Replies: 0
Views: 160
Posted By elcato
Organic Fruit and Veg

I recently turned kinda hippy with this and here's a start of what I get in general and what stores. Price poorly added - I leave blank for dont know. I've probably missed loads and some stuff can be...
Forum: Homes and gardens 15-10-2014, 11:30 AM
Replies: 22
Views: 4,663
Posted By elcato
I know this is an old thread but the theme is the...

I know this is an old thread but the theme is the same. I just tried to tell them to sling their hook due to non-collection of my green bin on Monday only to be told that there is a €40 cancellation...
Forum: Central Bank consultation on mortgage limits 09-10-2014, 03:16 PM
Replies: 17
Views: 1,572
Posted By elcato
Bronte - maybe the OP is like me and has been...

Bronte - maybe the OP is like me and has been commutered out at this stage so will only live within 30 minutes of work at rush hour. Or else it's probably what my English teacher used to tell us...
Forum: Mortgages and buying and selling homes 09-10-2014, 01:27 PM
Replies: 10
Views: 953
Posted By elcato
To be fair, I suspect it's a kinda 'Call my...

To be fair, I suspect it's a kinda 'Call my bluff' for the bidder. I'm sure there are people out there who just look and bid in loads of places and this just makes sure they are serious.
Forum: Mortgages and buying and selling homes 09-10-2014, 11:18 AM
Replies: 10
Views: 953
Posted By elcato
Proof of funds to estate agent when bidding

So the EA is making it a requirement to bidders to ensure people are serious. What exactly passes as proof of funds ? Does the buyer need to show a full up to date bank statement ? I would imagine...
Forum: Consumer Issues and Rights 03-10-2014, 12:54 PM
Replies: 18
Views: 874
Posted By elcato
Thanks for the update. Lads can we keep on topic...

Thanks for the update. Lads can we keep on topic here also.
Forum: Is this a scam? 03-10-2014, 12:18 PM
Replies: 7
Views: 798
Posted By elcato
At best, I would have stopped and offered to call...

At best, I would have stopped and offered to call a friend for him. Note: I would not have given him my mobile phone just dialled the number myself.
Forum: Consumer Issues and Rights 02-10-2014, 02:23 PM
Replies: 18
Views: 874
Posted By elcato
I recall the BBCs consumer show had this on about...

I recall the BBCs consumer show had this on about a year ago. They were able to show that the change of colour of those pads was basically cuased by a good few things and not just water. It is a fob...
Forum: Tax 02-10-2014, 11:47 AM
Replies: 3
Views: 609
Posted By elcato
No. If they query it then explain. Remeber you...

No. If they query it then explain. Remeber you are just a minute case of millions which unless they have some good reason to check they will not. They will process your tax and may expect to get a...
Forum: Askaboutbusiness 01-10-2014, 05:24 PM
Replies: 6
Views: 611
Posted By elcato
If the profit on the 5k is more than €3,174, then...

If the profit on the 5k is more than €3,174, then you should have made a form 11 return. However I find if you filled in a form 12 now stating this liability they will more than likely not make any...
Forum: Tax 01-10-2014, 05:20 PM
Replies: 9
Views: 748
Posted By elcato
No. It means you can file and pay the following...

No. It means you can file and pay the following year when a form 12 is due i.e. for 2013 it is due by Oct 2014 along with the relevant tax payment.
Forum: Mortgages and buying and selling homes 01-10-2014, 10:30 AM
Replies: 4
Views: 1,006
Posted By elcato
Make up the maths on the apartment on it's own....

Make up the maths on the apartment on it's own. Take rent minus two months as a starting figure, deduct all payments like management fees, insurance etc. Then deduct the tax payable. When you have...
Forum: Water metering and charges 01-10-2014, 10:24 AM
Replies: 60
Views: 3,528
Posted By elcato
As an aside, is there a clip or something to get...

As an aside, is there a clip or something to get the top off the meter to read it ? I tried twisting and turning to no avail this morning. There's a little nub sticking up but I was afraid to try too...
Forum: Water metering and charges 30-09-2014, 05:05 PM
Replies: 60
Views: 3,528
Posted By elcato
213,000 litres at 4.88 a litre = 1,039 euros....

213,000 litres at 4.88 a litre = 1,039 euros. When did the meter go in and was it at zero ? If yes and the meter is only in since the start of the year then the bills are going to be quite large....
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 30-09-2014, 02:50 PM
Replies: 85
Views: 6,321
Posted By elcato
Without getting into too much more debate here, I...

Without getting into too much more debate here, I think anyone who has followed any advice I gave in the past then in this case mine would simply be go and make a fresh start in Canada. That's the...
Forum: Property investment and tenants' rights 30-09-2014, 02:32 PM
Replies: 35
Views: 6,098
Posted By elcato
Well I have received three packs to three...

Well I have received three packs to three different addresses I have lived in over the last tennish years (I have one property let out and rent elsewhere and fully compliant), all of my last three as...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 30-09-2014, 12:19 PM
Replies: 85
Views: 6,321
Posted By elcato
I am not in the slightest bit upset but I'm just...

I am not in the slightest bit upset but I'm just wondering what you agenda is. Have you a problem with paying your debts if you can afford them in 10 years time ? It seems to me you are here to...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 30-09-2014, 11:40 AM
Replies: 85
Views: 6,321
Posted By elcato
Then why are you spending so much time on this?...

Then why are you spending so much time on this? The advice given by Brendan44 was simple and to the point (as others have agreed). Move on.
Forum: Homes and gardens 29-09-2014, 12:08 PM
Replies: 1
Views: 385
Posted By elcato
Slight leak in old tap - Too costly to replace

I have a bath tap that has a smallish leak. In order to replace it I'd need to do serious work in getting the old taps off so looking for a cheaper option. The tap itself is too tight to even get the...
Forum: Wills, inheritances and gifts 18-09-2014, 02:44 PM
Replies: 43
Views: 4,576
Posted By elcato
Guys - while there's nice nuggets here, let's...

Guys - while there's nice nuggets here, let's stick to the original question and advise accordingly.
Forum: Homes and Gardens - suppliers and recommend tradesmen 15-09-2014, 03:04 PM
Replies: 10
Views: 1,019
Posted By elcato
So what if he charges another €150 to do the...

So what if he charges another €150 to do the fascia ? I would pay him. The price sounds right. He is obviously unreliable and better to get someone who is not than be playing games with this guy.
Forum: Budget 2015 12-09-2014, 11:29 AM
Replies: 90
Views: 4,680
Posted By elcato
Sorry but this is where any argument is flawed....

Sorry but this is where any argument is flawed. Just because something is cut a few times more than others doesn't make it non-equitable. Ask yourself, why were they cut ? This is like the old public...
Forum: Banking, credit cards, etc 11-09-2014, 12:15 PM
Replies: 21
Views: 2,210
Posted By elcato
Is there not limits on withdrawels which are less...

Is there not limits on withdrawels which are less than this ? Was it done over a few days ?
Forum: Deposits 05-09-2014, 11:34 AM
Replies: 5
Views: 1,027
Posted By elcato
Don't we all and the bank isn't great either

Don't we all and the bank isn't great either
Forum: Tax 28-08-2014, 05:10 PM
Replies: 11
Views: 669
Posted By elcato
To the OP: Did your employer re-depoly you or did...

To the OP: Did your employer re-depoly you or did you just emigrate because there was no work in Ireland ? It's not clear from the post and I get the impression that the exemption is only if your...
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