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Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 07-06-2014, 09:09 PM
Replies: 2
Views: 921
Posted By Oscaresque
I came close! They were happy that: 1. Our...

I came close!

They were happy that:
1. Our joint income was high than required for the loan requested
2. The LTV was under their limit
3. Our monthly disposable income at their 6.5% stress...
Forum: Miscellaneous Non-financial Questions 06-03-2013, 11:25 AM
Replies: 5
Views: 1,884
Posted By Oscaresque
I passed what looked like a mobile barbers the...

I passed what looked like a mobile barbers the other day called Budget Cuts.
Forum: Ideas, suggestions for presents, food, etc. 25-11-2012, 06:45 PM
Replies: 5
Views: 2,316
Posted By Oscaresque
A voucher for a really amazing hotel.

A voucher for a really amazing hotel.
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 22-07-2012, 08:14 PM
Replies: 46
Views: 9,216
Posted By Oscaresque
Have you compared some of these European...

Have you compared some of these European apartments to a lot of the ones built during the boom here? They are not exactly comparable in terms of size or quality. Certainly in my own experience with...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 28-06-2012, 09:05 AM
Replies: 1
Views: 917
Posted By Oscaresque
Trade-down mortgages on a smaller home.

http://www.independent.ie/business/personal-finance/property-mortgages/main-banks-ordered-to-explain-plans-on-mortgages-3151623.html

AIB told the Government last night it would offer:
-...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 03-04-2012, 01:03 PM
Replies: 76
Views: 11,645
Posted By Oscaresque
I spoke with my bank a year ago asking would they...

I spoke with my bank a year ago asking would they consider allowing me to sell my house and bring the negative equity into a new loan, or a new mortgage. Needless to say they said no but the nice...
Forum: Consumer Issues and Rights 15-03-2012, 09:04 PM
Replies: 57
Views: 27,511
Posted By Oscaresque
I am probably out on a limb on my own here but I...

I am probably out on a limb on my own here but I really dislike the Venture style of photography so my mind completely boggles at the price people pay for them.
Forum: Consumer Issues and Rights 15-03-2012, 08:55 PM
Replies: 2
Views: 1,194
Posted By Oscaresque
+1. I've noticed this as well.

+1. I've noticed this as well.
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 15-03-2012, 08:36 PM
Replies: 0
Views: 706
Posted By Oscaresque
Maternity leave. Interest only?

I am going to maternity leave later this year and my work will not be paying me anything so will have the SW payment and my husbands salary coming in. We intend to save as much as we can between now...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 13-03-2012, 09:01 PM
Replies: 6
Views: 1,392
Posted By Oscaresque
error

error
Forum: Miscellaneous Non-financial Questions 01-03-2012, 09:38 PM
Replies: 13
Views: 3,059
Posted By Oscaresque
Try www.popsike.com

Try www.popsike.com
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 04-02-2012, 05:05 PM
Replies: 9
Views: 2,363
Posted By Oscaresque
AIB would not let me do this when I asked but I...

AIB would not let me do this when I asked but I gather banks are dealing with people on a case by case basis so until you ask you won't really know.
Forum: Mortgages and buying and selling homes 25-01-2012, 09:02 PM
Replies: 15
Views: 2,660
Posted By Oscaresque
I would imagine it also depends on the...

I would imagine it also depends on the circumstances of the seller. If the amount you want to offer is below what they can afford to accept then ease of payment and speed means nothing. A lot of...
Forum: Mortgages and buying and selling homes 07-01-2012, 10:17 PM
Replies: 200
Views: 34,752
Posted By Oscaresque
Thanks. I didn't realise the capped amount...

Thanks. I didn't realise the capped amount changed in year 8.

edited to add - I just checked revenue.ie and as I am married and were both first time buyers on this property the cap should be e6000...
Forum: Mortgages and buying and selling homes 04-01-2012, 09:34 PM
Replies: 200
Views: 34,752
Posted By Oscaresque
Mine is usually around 90 a month (bought at the...

Mine is usually around 90 a month (bought at the end of 2005) and today it was 75.

Is this likely to be a mistake that will get rectified or have I misunderstood how it works?
Forum: Home energy 13-12-2011, 10:35 PM
Replies: 3
Views: 1,347
Posted By Oscaresque
There's a handy calculator on their site. if you...

There's a handy calculator on their site. if you get online billing you can check your usage and put it into the calculator. It showed that there is no difference for me on any of the tarrifs.
Forum: Tax 09-11-2011, 10:20 PM
Replies: 3
Views: 1,113
Posted By Oscaresque
For what it's worth - I spoke to revenue and I...

For what it's worth - I spoke to revenue and I think my husbands pay would go up by about e200 a month if we give birth next October.
Forum: Miscellaneous Non-financial Questions 07-11-2011, 09:16 PM
Replies: 4
Views: 2,097
Posted By Oscaresque
I would imagine BT's sell at the RRP and so...

I would imagine BT's sell at the RRP and so unless a discount perfume shop have it I would guess all stores would charge the same. Most cosmetics tend to sell at RRP in department stores and...
Forum: Insurance not covered in other forums 06-11-2011, 09:11 PM
Replies: 2
Views: 1,978
Posted By Oscaresque
Gadget Insurance

Myself and my husband both have iphones and insurance via vodafone on them. On the face of it www.gadgetinsurance.ie seem to be considerable cheaper and I'm assuming one policy could cover both...
Forum: Tax 14-10-2011, 10:36 PM
Replies: 3
Views: 1,113
Posted By Oscaresque
Thanks for this - although I can honestly say...

Thanks for this - although I can honestly say that I barely understand a word of that. Think I need to phone revenue and see if that can help.
Forum: Tax 13-10-2011, 10:00 PM
Replies: 3
Views: 1,113
Posted By Oscaresque
Maternity leave and tax credits transfer

I have looked for the answer to this but have failed to really find what I am looking for.

I am hoping to be taking maternity leave in the next 18 months. My company will not be paying me any mat...
Forum: Travel, accommodation and restaurants in Ireland 13-10-2011, 09:39 PM
Replies: 8
Views: 1,773
Posted By Oscaresque
Forgot I posted this so apologies for the belated...

Forgot I posted this so apologies for the belated thanks for these links. Really useful.
Forum: Travel, accommodation and restaurants in Ireland 19-09-2011, 09:30 PM
Replies: 8
Views: 1,773
Posted By Oscaresque
Walks in Dublin area

Can anyone recommend nice areas for walks in the Dublin area that are around the 10-20km length

I regularly walk Howth Head, Bog or Frogs etc and from the city out to Dun Laoghaire but was looking...
Forum: Mortgage arrears, personal debt & negative equity - questions and case studies 08-08-2011, 10:33 PM
Replies: 13
Views: 2,562
Posted By Oscaresque
Leaky1, I am in a similar position to you (we...

Leaky1, I am in a similar position to you (we keep crossing paths on these type of threads). I would be reluctant to put my savings against my mortgage right now.

I hope in a few years to go to...
Forum: Emigration and the Irish abroad 19-07-2011, 10:44 PM
Replies: 15
Views: 6,035
Posted By Oscaresque
Myself and my husband are now considering this....

Myself and my husband are now considering this. We need to run the numbers on how much it'll cost us to rent the house and maybe pay a family member to manage the property for us.

Any advice on...
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