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I have my views on Mr Ross - I don't rate him at all.

In France they can reposess non payers a hell of a lot easier than here. I think AIB said they had 9000 mortgage holder in arrears who have refused to enter into any sort of negotiations and only do so on the steps of the court after about 2 -5 years of not paying one cent. Assuming that is...

I reckon Santander Bank will open at some stage. They already have several operations here on corporate finance, so a move into retail banking or even a specialist mortgage bank would nit be too difficult. The other reason I reckon rates will fall is that negative equity is becoming less of...

If you want boots that will keep feet dry in wet weather you need to buy either wellingtons or gortex / other waterproof membrane boots. "Walking Boots" are not waterproof unless stated. Leather is a natural material and in many cases it is stitched to the sole - if you use these in wet weather...

unless sold as waterproof, you need to take extra care after wearing leather shoes in rain. In addition, again, unless sold as waterproof, all shoes will let in wetness in wet conditions. After wearing shoes in rain, stuff then with newspaper or other absorbant material and leave in a warm dry...

Ah Fuel prices - everyone gets ina tizzy, bu very few understand the make up. Just 30c of the pump price or any other price of fuel represents the raw oil price. Yes, the dollar price has dropped from $108 to $57, but the euro has weakened from $1.39 to $1.20! All other costs aside from the...

It operates worldwide. They earn MILLIONS! and compnaies like Irish Rail and Ryanair earn a fortune from it too. http://consumerist.com/2009/11/18/88-big-sites-earning-millions-from-webloyalty-scam/ [broken link removed]

I had similar a couple of years ago. They just want to see what systems you use for records, what type of customers you have, how income is recorded, how imports are classified etc etc. Obviously if they think the systems are not sufficient (e.g. a retail store without a proper cash register)...

From today's indo http://www.independent.ie/business/personal-finance/property-mortgages/thousands-to-take-on-lenders-over-rates-30634246.html Very interesting for people who lost trackers as bank have unfairly penalised this group. Not only have trackers been lost, but you are paying about...

I'd get an accountant - they usually more than make up for their fees (which are not expensive) Most accountants would sort you out in an hour, advise you and keep you on the right path on an ongoing basis. No, I'm not one, but I have always used one and find its the best money I spend each year.

I don't think banks are losing on trackers any more as market rates for money are very low and cheap ecb money is available. Also I don't think anyone has had a straight write-down either. Possibly they will allow rental without losing the tracker?

I think a lot of people make the error of seeing a rate of 0.78 and thinking the difference is 22c. But it is 22p over 78p, not 22p over £1. To do the % calculation you divide 100 by the exchange rate which in above example = 1.2808 (add 28.08% to 78 and you get 100) Basically, if something...

does the bank know you are renting the apartment out? If not, they may claim it is an investment property and could change you away from the tracker. Also, if the market rent is €1200 a month then the value is a lot higher than 160k-170k as at €1200 a month even allow for costs, that would be...

A copy has been received. Thanks

Would anyone have a copy of a letter sent by KBC bank to tracker mortgage holders in 2005/2006 that inform the mortgage holder of the new interest rate and also informed them of an attached fixed rate instruction. This is not the fixed rate instruction itself, but the covering letter that...

I got a emachines dishwasher from B&Q - needed a service call. Called them at 2.30pm on a Friday, engineer called me at 4.30, arrived at the house 5pm, fixed by 5.30...and this was in the very very southwest of Kerry! If I were the OP, I'd call Beko service dept directly - all they will need is...

As above, probably from their credit card operations checking on transactions. You can simply ask their name and call them back using the number printed on the back of your credit card. These call are a lot more frequent these days as banks are very much on top of fraud patterns. If...

Ask the bank manager - he will be able to reccommend a good accountant suitable for your style and size of business.

Rule number one - Do not get involved in a relation's or even a sibling's working terms and conditions unless you are 100% sure they are being wronged and they have tried all avenues themselves to get it corrected as there is nothing worse for an employer than to have some busy body thinking...