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  1. M

    Employment law for contract employees

    Thanks for the feedback guys. With regard to a medical, they didn't ask for one. The injury itself isn't a back injury, something less common but more debilitating in the sense that I can't continue my normal employment.
  2. M

    Employment law for contract employees

    Hi I wonder if anyone can offer advice... I worked for a multinational on a contract basis for about 4 years. It was a pretty standard arrangement where I had a limited company which invoiced an agency which in turn invoiced the multinational. After 4 years working on this basis I...
  3. M

    Price of sites

    That's what we seem to be finding. Plus there aren't half as many sites around, which seems a bit strange. I thought with money being tight landowners might be more willing to put land up for sale. Especially since site prices seem to be holding up. Thanks for feedback anyway guys.
  4. M

    Price of sites

    We are looking for a 1 acre site to build a new home in north east Galway. Had a look through the usual web sites and spoke to a couple of auctioneers, but they are still quoting pre-recession prices which seem ridiculously over-inflated. Before we start to haggle it would be good to...
  5. M

    Re-negotiating existing mortgage

    Repayments have gone down in line with ECB reductions. Payments have been fairly easy to accommodate in the past but if I'm out of work we'll struggle. Thanks for link...
  6. M

    Re-negotiating existing mortgage

    Our 10 year old tracker mortgage on our home currently stands at €300K and costs ~€2.1K per month to service. The LTV is conservatively around 40% and the remaining term is 17 years. I'm 42. It looks like there's a good chance I'll be made redundant in the next few months and would imagine...
  7. M

    Splitting the debt after liquidation

    Thanks for all the comments. All food for thought. Hopefully the situation will not arise, but I'll get some professional advice just in case. Thanks again.
  8. M

    Splitting the debt after liquidation

    Only a suspicion at the moment. I just want to make sure that he shares the debt burden fairly and doesn't wash his hands of it should we go into liquidation.
  9. M

    Splitting the debt after liquidation

    I own 50% of a ltd company and a business partner owns the other 50%. We have traded well over the past few years but due to the downturn I can foresee us going into liquidation in the coming months. Our only debt is a €50K stock loan and the balance of two vehicle leases. However, all of...
  10. M

    Debt collector recommendation

    Thanks PJK. Have you used them before...?
  11. M

    Delivery charges from IKEA to Galway

    Many thanks for the info guys...
  12. M

    Delivery charges from IKEA to Galway

    Anyone know typical delivery charges for furniture bought in IKEA Belfast and delivered to Galway? Looking to buy a sofa and some other smaller items. Any advice gratefully received...
  13. M

    Debt collector recommendation

    We are owed a significant amount of money by a hardcore of customers who ignore requests to settle their accounts. In the past we have used a solicitor to recover debts but have found them slow, expensive and generally ineffective. Can anyone recommend a good debt collection firm which might...
  14. M

    Claiming back deposit from NI

    Many thanks for clarifying the situation over which small claims court to use.
  15. M

    Claiming back deposit from NI

    Back in October 2007 we paid a 1000 euro holding deposit on a used boat to a well-known broker in Northern Ireland. The deposit was paid on the basis that if for any reason we did not complete the purchase e.g. if the boat did not pass the survey or we could not arrange finance, then the...
  16. M

    How best to invest 750K...

    Hi all Following our recent downsizing to a smaller house (we now have no mortgage) we have about 750K available to invest. Our priorities for this cash are: Generate a regular annual income if possible, to supplement our salaries. Use it as the basis of a pension. Keep at least 30% of the...
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