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Search: Posts Made By: Roamer808
Forum: Mortgages and buying and selling homes 12-04-2012, 10:57 PM
Replies: 6
Views: 1,719
Posted By Roamer808
I put 100k inheritance towards my mortgage...

I put 100k inheritance towards my mortgage because I was worried about down the line as niceoneted points out - job, payment size and so on.
As it turns out it was a very prudent move as work is...
Forum: Wills, inheritances and gifts 12-04-2012, 10:45 PM
Replies: 36
Views: 9,536
Posted By Roamer808
The Revenue Affidavit end of things is part of...

The Revenue Affidavit end of things is part of the probate and is done BEFORE the Grant of Probate is given, there is no exception to this.
So the excuse from the solicitor that he is waiting for...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 12-04-2012, 10:36 PM
Replies: 6
Views: 1,681
Posted By Roamer808
welcome to aam mbnahelp. Don't worry about...

welcome to aam mbnahelp.

Don't worry about the 'heavies' calling to your door. Any agency can do nothing more than basically harass you with calling, letters, phone etc.. And if the level of...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 11-04-2012, 02:34 AM
Replies: 224
Views: 47,048
Posted By Roamer808
So say you did earn a fortune in the next 30...

So say you did earn a fortune in the next 30 years - that's 20,000 after tax to pay back to the bank.
When you show the bank this on paper does it sink in?
Have you asked them outright where do...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 10-04-2012, 10:27 PM
Replies: 8
Views: 1,841
Posted By Roamer808
What makes a mortgage unsustainable?

In a different post Brendan made an informed guess of 10,000 unsustainable mortages in this country that must be addressed if the population is to move forward. In financial terms, what defines a...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 10-04-2012, 10:06 PM
Replies: 9
Views: 1,932
Posted By Roamer808
Do many people call on the help of others to deal...

Do many people call on the help of others to deal with the bank?
Are people that much under the thumb from debt that they lose their nerve to deal with the bank directly?
Forum: Askaboutbusiness 09-04-2012, 11:25 PM
Replies: 6
Views: 1,452
Posted By Roamer808
No, a lot of till receipts are generated on...

No, a lot of till receipts are generated on thermal paper, there is no printed ink on them.
If you keep paper out of sunlight the ink will last longer.
Forum: Mortgage arrears - policy issues 09-04-2012, 11:22 PM
Replies: 20
Views: 7,263
Posted By Roamer808
Thanks boomtobust, just the news none of us want...

Thanks boomtobust, just the news none of us want to hear!
Bless those rational thinking bank folks.
Forum: Mortgage arrears - policy issues 09-04-2012, 01:04 AM
Replies: 20
Views: 7,263
Posted By Roamer808
What is the general guide to an 'unsustainable...

What is the general guide to an 'unsustainable mortgage'?

OK I know if you have not job and your are in arrears that can be looked upon as a non runner, but work will come back some day.

Is...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 09-04-2012, 12:43 AM
Replies: 12
Views: 9,669
Posted By Roamer808
So ultimately the bank can get a judgement...

So ultimately the bank can get a judgement mortgage and it loses effictiveness after 12 years?
Is there any way it can be extended by the bank?
Then you have to get it removed at your end?
Forum: Mortgages and buying and selling homes 09-04-2012, 12:36 AM
Replies: 10
Views: 2,542
Posted By Roamer808
If they make you pay interest with it first, they...

If they make you pay interest with it first, they get all their profit. When you start chipping into the principal at an early stage in the loan, they gain much less as twofor1 pointed out.
Forum: Issues with tracker mortgages 09-04-2012, 12:31 AM
Replies: 11
Views: 2,140
Posted By Roamer808
But will the government see sense? At the rate...

But will the government see sense? At the rate the banks are being amalgamated, it will be one bank left! Hardly competition?
Reducing rates might ease the suffering of the SVR customers but will...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 09-04-2012, 12:26 AM
Replies: 224
Views: 47,048
Posted By Roamer808
I am sure you have tried to let the bank know you...

I am sure you have tried to let the bank know you are skint. It's up to them to realise quickly that this horse can't be flogged any more. Given the amount is so big, they might not even waste the...
Forum: Mortgages and buying and selling homes 08-04-2012, 03:40 PM
Replies: 10
Views: 2,542
Posted By Roamer808
Thanks for pointing that out. I didn't go there...

Thanks for pointing that out. I didn't go there because he is asking about it and I don't want to drift off the subject..
Good maths. I am aware of the savings - many others are not, sadly.
Forum: Home energy 31-03-2011, 11:57 PM
Replies: 10
Views: 3,182
Posted By Roamer808
Sorry that most of the builders in your...

Sorry that most of the builders in your experience are not up to speed. The ones I deal with are. Double leaf is one way to build. Of course there are a dozen other ways. I'm just keeping it simple...
Forum: Home energy 31-03-2011, 02:05 AM
Replies: 10
Views: 3,182
Posted By Roamer808
Architects will usually only spec what U-value...

Architects will usually only spec what U-value the external walls need to achieve for regulations. There are a dozen ways to get the house insulated. Kingspan, Xtra Therm, Quinn all do foilfaced foam...
Forum: Homes and gardens 31-03-2011, 01:44 AM
Replies: 9
Views: 2,110
Posted By Roamer808
BIK30. Veneered doors are not durable or upto any...

BIK30. Veneered doors are not durable or upto any abuse. The slightest knock will mark them. Problem is the cheap rubbish wood used to make the core of the door. Sometime if you are lucky it's...
Forum: Homes and gardens 31-03-2011, 01:33 AM
Replies: 22
Views: 4,200
Posted By Roamer808
Insulation in the oven and the fridge keep them...

Insulation in the oven and the fridge keep them safe. On top of that you have the unit which is 18mm chipboard. So they don't fight each other. Working in the game for 20 years.
Forum: Homes and gardens 31-03-2011, 01:26 AM
Replies: 3
Views: 873
Posted By Roamer808
you could lower it as little as neccessary and...

you could lower it as little as neccessary and put foil backed foam insualtion around it.
Probably the best insualtor for the thickness of it, which starts at 25mm and goes up to 150mm. Don't forget...
Forum: Home energy 29-03-2011, 03:19 PM
Replies: 4
Views: 1,453
Posted By Roamer808
Tiled floors are a major heat loss. The rough...

Tiled floors are a major heat loss. The rough guide to heat loss is 30%up 30%down and 30%sideways. No matter how good the insualtion is above or beside you, the heat will escape down. Any building...
Forum: Homes and gardens 29-03-2011, 03:09 PM
Replies: 7
Views: 1,060
Posted By Roamer808
Showrooms do use pumps. Some taps require pumps...

Showrooms do use pumps. Some taps require pumps or good head pressure (the static pressure generated by the tank in the attic). The size of the pipe will also affect the performance of the taps....
Forum: Work, Careers, Employment rights, further education/training 29-03-2011, 03:02 PM
Replies: 4
Views: 1,033
Posted By Roamer808
I would think that you showed that your willing...

I would think that you showed that your willing to work and not sit at home or on the dole is a great credit on your cv.
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 29-03-2011, 02:59 PM
Replies: 17
Views: 3,797
Posted By Roamer808
Hurray!! It's himself

Hurray!! It's himself
Forum: Wills, inheritances and gifts 29-03-2011, 02:57 PM
Replies: 13
Views: 5,093
Posted By Roamer808
When I asked the Probate people they told me...

When I asked the Probate people they told me about 90% of cases are done by solicitors. People run scared when they hear 'law'. Which is fair enough, some law is a mindfield but probate is not. The...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 29-03-2011, 02:25 PM
Replies: 17
Views: 3,797
Posted By Roamer808
His general validity is in question - maybe if...

His general validity is in question - maybe if someone talks to him and learns more?
PM your number to him and he should ring you.
Showing results 1 to 25 of 38

 
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