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There is a difference between a failure to pay a Court fine (which this appears to be) and failure to pay a contractual debt (for example, to a lender). In the latter case, recent case law and enactment of the European Convention on Human Rights into domestic law in 2003 incorporated the right...

These are qualities/skillsets important for any service, not just law. However, if there is reduced demand for the service against an increased number of service providers, one could also conclude that these qualities are better applied in other markets. I am not sure that broad per capita...

What methodology did partnership process use to give all the increases to public servants in the last decade or so? I understand it was a secret process, but surely, if private sector are taking cuts this methodology should also work in reverse? No substantial efficiencies were achieved for all...

Re: Legal Aid - How come somebody with a good job qualifies District Court Judges vary in their attitude to granting of legal aid. Some require statement of means and conduct an enquiry before granting the legal aid while the majority simply grant it as a matter of course. After all every...

Can trade/professional losses be offset against tax payable on PAYE income? The context is where someone is in full time employment but also has professional consultancy business.

In economic terms this is known as moral hazard. One of the great flaws of NAMA as proposed is that it does not address this properly. Some folks suggest that putting in lending targets into the legislation will resolve this. Given what we know about the appalling lack of appropriate regulatory...

I hear that Bo Lundgren is on the airwaves critical of NAMA and advocating nationalisation in line with Swedish experience. I really don't think the public should be fooled by the investor flight arguments. It seems the old FOFOC argument serves many purposes - these bondholders are not...

looks like Lenihans concept of LTEV does not exactly square with more conventional and established valuation techniques [broken link removed]

I think we will have to agree to disagree. I have spent enough years investigating and analysing workings of various markets to form the view that the more markets are actually allowed to work without interference the better, from a societal welfare perspective. Implicit in much of what you...

There are some very good points being made about NAMA over on the irisheconomy.ie blog - if you are interested OP. To assert that there is currently no market is simply incorrect - supply is currently exceeding demand and the price of property if left to its own devices would reach its...

So why do people use them? Why would OP not sell directly?

In theory, it currently makes sense; however, human behaviour means that there is always the temptation to spend that cash deposit on something which you do not actually need or which is more expensive then what you would normally spend. In addition what is the actual gain? Assume 2% benefit...

If markets were efficient we would have no asset bubbles. There is a good lead article in current edition of the economist on this. The deficiencies of this doctrine have been shown up by the financial crises and house price collapse. Recently read a brief article in TMF about the difference...

What would a standard service of a gas boiler entail? What cert would you expect to get?

If you are making a complaint to the Council in regard to alleged planning contravention then they are obliged to investigate and make a formal decision within prescribed timelimits. I don't have those limits to hand but you should check it out as it is more than a couple of days.

A number of points which you may wish to consider: 1. Is this idea subject to intellectual property right protection? 2. Does the competitor use a different method to sell a similar product/service? 3. Is the market regional or national? 4. Does your contract of employment contain a...

If the Solicitor knows what (s)/he is doing and does the job properly I think the price quoted is very reasonable. There would imo be at least 2/3 billable hours work (taking instructions, preparing draft agreement and properly explaining it to you). If the Solicitor is just running off a...

I am baffled by these statements. Are they not contradictory? What if you 'realise' that prices are going to fall in the near term? What is the difference between 'thinking' and 'realising'? Are you trying to say that someone should not think about the direction of the market and should...

These sentences seem contradictory or have I misunderstood? IMO the reason buying seems cheaper than renting is because of historically low interest rates and not clear to me that this daft comparison includes management/maintenance cost of ownership of apartment/new estate dwelling. The...

Everything has a cost. Nothing is for free. The broker is not a disinterested party. An uncompetitive product or being bundled a very expensive mortgage protection policy is very costly for the customer. I therefore agree with Hybrid. Question: How many brokers recommended to me the NIB...