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Hi all, I am executor along with one sibling to my mother's estate. Re sale of my mother's family home - purchased approx 1973 - mother died 2023. This was her PPR. For a period of approx 7 years she used the home as a B&B. There are 4 beneficiaries / siblings. Q1 - is there a CGT...

Hi, My Mother is deceased and had 2 Credit Union accounts in different Credit Unions. One Balance is approx €15,000 + (unknown) Insurance amount - possibly all insured at 100%. Nominee = Myself only Second Credit Union was opened when she was over 55, so expect most not covered by insurance...

Thank you RedOnion. and thank you for link to Key Post. I saw ECB table before but did not know which column to use. I am clear now. Bizzy

Hi All, What is the name of the ECB rate table used in mortgage tracker rates? I know the current rate is 0%. I want to check historic rates and movements back to 2005. Many Thanks Bizzy

An offer to settle for €225K would be a write down of €75k and that seems a very good deal. Do you have €225K? Given the account is deemed in Default ha this affected your credit rating? Have you approached another bank to see if you Three can raise €225K? If so will they issue you Three, or...

My comments were in relation to Unsecured Debts. I'm not suggesting a person doesn't pay for their home - all-be-it over a longer period where necessary.

So, if the Instalment Order is for say €10 per month and you don't have €10 per month above your Essential Living costs should such a person go to Prison? This is the "Can't Pay" person. It may be difficult to imagine such a person exists but THOUSANDS of them exist - just about. The most...

The discussion paper has a significant focus on identifying 'Can't pay' -v- 'Won't Pay'. In relation to unsecured lending the Creditor/Finance co can seek a judgement. They can seek to have judgement registered against the home. In theory they can seek a Court Order for the home to be sold, but...

Thanks peteb, Is it possible to insure with Lloyds directly? Why would you be concerned about how the claims would be handled?

Can anyone recommend a good Insurance company for House & Contents insurance on investment property?

"Will it first clear the 13,000 I already owe on the two current loans, and then leave me with roughly 12,000?" Yes "So will those combined 750 a month repayments be cleared, leaving me with just the 500 a month on the 25,000 loan (over 5 years)? Yes "Or am I missing something embarrassingly...

Thanks Tenacious! That is a relief.

Thanks asdfg. I was afraid of that answer. Problem is I have all invoices receipts etc. no prob getting total. Deciding what catagory they fit into is a task my head has difficulty handling with only days to 31st Oct. We had paid our very kind buuilder c.80% in stages. Completed in early...

We have carried out a mixture of renovations, improvements and extension to an investment property financed by way of a re-mortgage with a new lender. Cost of improvements c. 70k. What is allowable under what type of expense? Are legal costs and valuation for moving mortgage allowable as...

dmullen, with regard to the purchase of the apartment; while you don't qualify as FTB for SD exemption your friend will qualify for the FTB rate of tax credit. I would check with TRS whether they can handle this or if your friend will have to claim this separatly.

Nat, Does he sign-on for U. Benefit or U. Assistance. If UB, then the only change is he will lose the Adult Dep. Rate on his claim - it's possible he is not gettig this for you anyway as you are already working. If you are working and Registered for PRSI to get "stamps" then you are already...

I have rental income from a Section 23 property. I have filed paper returns for past 5 years approx. I have always declared income as NIL and carried forward loss (unused S.23 relief). I note this year the Return is different. I also signed up for ROS, I thought it might help confirm my...

16024, Do you have any other borrowings? eg. car finance. Do you plan to change your car in the near future. Will this be financed from existing savings or from borrowings? IMHO it does not make sense to pay off a loan at 3.05% only to find that you will need to borrow at 7 - 9% to purchase a...

westernone, A contract does not have to be in writing. It can be writen, verbal or Implied. "- booking deposit paid by cheque, (Why?) to hold the house for one week " (The contract would seem to be: your friend would pay €1,000 in return for the Landlord 'holding' the property for one week...

firsttimebuy, Is the Credit agreement a 'Hire Purchase' agreement? Is the total of instalments remaining on the agreement more than the current value of the car? Do you have more than 1/2 "Hire Purchase Price" paid? The figure for this will be on your copy of the agreement. If the answer...