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  1. J

    expecting pay cut in July, cannot manage now on current wages

    I know you consider your child to still be a child, but this child is now 18. Over the last 5 weeks, the "child" expenses have been about 60 per week. As a full time student, it's tough, but I think a part-time job is called for if it can be found. About 8 hours a week will replace the...
  2. J

    High Court upholds Ombudsman ruling in favour of PTSB and interest only mortgages

    Ah yeah, of course. But it's because it doesn't cover it, you see the current scramble. In my scenario, the rent was never going to cover the full payment. I imagine it's the same in most/all of the cases.
  3. J

    High Court upholds Ombudsman ruling in favour of PTSB and interest only mortgages

    Personally, I always planned on keeping the property. Not for one second did I think it was going to be interest only for 25 years, and tbh I find it pretty difficult to believe that anyone did. With salaries having been reduced, it now becomes an affordability question though. Can't sell...
  4. J

    High Court upholds Ombudsman ruling in favour of PTSB and interest only mortgages

    Have PTSB put all decisions in relation to these buy-to-let mortgages on the long finger ? My 5 year interest only period was to cease in August, but both the August and September payments have just been the interest amount. Are they just waiting for the appeal to the higher court to make a...
  5. J

    123.ie

    Just received my motor insurance renewal quote from allianz for EUR1150 :eek: It was only 600 odd last year. 123.ie can do it for 420. Who are allianz kidding ?
  6. J

    Fixed Rate Poison Chalice

    None of these items has resulted in anyone paying more for their mortgage than the amount that was agreed under their fixed rate.
  7. J

    break from recession

    No probs !! It is an addictive little fecker though !! http://doyouwantsome.mybrute.com/ check it out !!
  8. J

    break from recession

    Haha, this thing just gets better and better. give it a go... http://doyouwantsome.mybrute.com
  9. J

    break from recession

    even though the fighting is automatic, it is still a bit of fun. The more you fight, the more weapons you get etc etc and the damage inflicted becomes greater.
  10. J

    Painter Rates

    I just got quoted EUR250 per day 25 man days too !! I think I can get this cheaper.
  11. J

    break from recession

    cool little game here to break the gloom !! http://doyouwantsome.mybrute.com
  12. J

    Christmas Bonus ?

    True, it's so hard not to tar everyone with this really wide brush I have !! Of course administration staff should continue to receive big bonuses ;)
  13. J

    Christmas Bonus ?

    Well, to answer your question, I find it hard to fathom how pension fund managers can get a bonus when the This post will be deleted if not edited to remove bad language has fallen out of every pension fund going. I suppose there will be the usual awards given to particular companies for pension performance aswell. I can almost hear the radio...
  14. J

    Christmas Bonus ?

    I was just wondering if there is anyone working in the financial sector, eg mortgage or pensions area, expecting a bonus in their paycheck this month ? I dont think there should me much of this, but tbh this is Ireland and nothing would surprise me !
  15. J

    low second hand prices for larger petrol engine car?

    I have come up against the same thing. Offered 12k for my 2004 2.5 litre S40 with 50k miles on it. Looks like I will keep driving it for a while !!
  16. J

    High personal debts

    Just some ideas.... Assuming that your wife does not work at the moment as you havent mentioned it, would it be possible for her to take up employment to increase the family income ? Try to speak to your bank about extending the interest only position. The stress involved in dancing through...
  17. J

    Interest Only Options

    many thanks
  18. J

    Interest Only Options

    Excellent Clubman. I know what I am going to do now.
  19. J

    Interest Only Options

    Just looking for a bit of advice..... Need to look at interest only option for the next 18 months or so Current Status :- Investment Property 338,500 with 24 years remaining PPR 646,615 with 24 years remaining Both PTSB Mortgages We can afford mortgage repays of 5,000 per month net of Mort...
  20. J

    accounts package for computer any suggestions?

    I too have used quickbooks for a number of years, doesnt get much easier.
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