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Look, i am simply pointing out that in some cases, NOT ALL, that a person and especially a single parent could possibly be financially better off on welfare. I do not have ' a chip on my shoulder about single mothers'. I simply happen to have a lot of friends who are single parents who tell me...

Thanks for your replies guys. Petpal- No its not fair. As regards these govt creches there are long waiting lists and they only do half days and i work full time. Cashier- I could not believe she was still receiving SW while working full time aswell but there is no doubt, she is, and...

"You must be getting certain social welfare payments, or certain training, employment schemes or adult education payments", Thanks for the reply. Im not getting any of the above. Just have a medical card. Does that mean i cannot apply?

Myself and my partner earn €390pw each. We have 1 child Thats €3120 between is pm. We pay €1200pm mortgage. €800pm Childcare. €300pm Credit Union. That leaves is with €820pm between us. Then there is the gas, esb, petrol. We are left with pittins. We even qualified for a medical card due to our...

Hi, Does anyone know, if you have a medical card does that mean you may be intitled to claim the Back To School Allowence?

If you want out, thats your choice. Put the house on the market and 'they', whether its the Council or Financial Institution can have the rest in installments if they want it. Its not a prison. Or, stop paying the mortgage, leave them repossess the house. They wont be long going after BOTH names...

Sparkle, Did you get your mortgage from the Council?

As far as i am aware the Revenue are going to introduce some sort of tax credit for co-habiting couples similar to that for married couples.

After the 20 yrs, you would be in the same position as someone who bought their house normally. Obviously if you took your mortgage out over 30 years then you would not own the house untill the 30 years have passed. After the 20 yrs you can forget it was ever an affordable home.

Two sides to every story.

If i stayed, and in 10 yrs time the house is worth say 300 and i sell then, i would owe the Council thousands. If i go now and buy a house for 235 and sell that in 10 years for 300. then i would not owe the Council anything.

I bought an AH in Cork in 2007. The market value then was €380k. I bought from the Council for €240k. The current market value is €235k. My question is, if I sold up now for €235k would I be right in thinking I would not owe the Council anything? By selling up now and buying a property for...

Skaking, Thanks for that, Quick question. Can a person opt not to take any insurance at all?

Oh rite.... my partner is a smoker, im not. The mortgage is for 35 yrs.

Hi All, When i took out my mortgage a year ago with EBS i was clueless ( and still am) about insurance. EBS arranged all this for me. My repayments are €26.70pm- House insurance €133.80pm - Life insurance €56.00pm - Payment Protection. I think the insurance company they use is Alliance...

Hi, It usually takes 2-3 months, Where have you been allocated?

Hi Bob, Who are asking you for the deposit? It was my solicitor who asked me for it at the last minute I dont know about it moving faster for 100% mortage. I think its all depends on how fast your solicitor moves. Keep chasing your solicitor up! It was about 2 months from the time i was...

Hi Moving, The deposit does not have to be paid untill the very end, Pretty much just before you get your keys, When your solicitor is transferring the cheque form your bank/building society to the council solicitor, you will then be asked for your deposit. I didnt know you could get 100%...

Hi Suzi, Yep got the keys yesterday. Had to collect them from the County Hall. Can't do much though untill i get the electricity reconnected. The Esb are calling Monday and there is a reconnection fee of 90 Euro. Just trying to organise delivery dates for furnature and floors now.

Yeah they had a day about a month ago where they opened all the houses so people could get measurments, but there was a few things i forgot as i only had my hour lunch break to do it. Its going to be pretty expensive trying to furnish the whole house, but there is no panic i suppose. I dont care...