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Age: 46 Spouse’s/Partner's age: 47 Annual gross income from employment or profession: 80000 Annual gross income of spouse: 3500 Monthly take-home pay 4300 Type of employment: self-employed In general are you: (b) saving? we can save easily but we tend to spend it after a while or we have...

Hi, My wife gradually became friends with an elderly man in our town. The man was 80 when she met him, and over time she used to visit him in his house as he became less mobile. Over the years they developed into a close bond. The man has no family. I believe his mother died in 1972 and he has...

Hi, I have a whole life insurance policy (joint life first death), valued at 210k and I pay 63euro/month. I recently learned (via this forum), that it is likely that this policy will be reviewed when it is deemed to be uneconomical and my premium will likely rise substantially. Indeed I asked...

Hi, If you are a sole trader, with unlimited liability, and the family home has been moved to be the wife's name only, is there still a chance of the home being at risk if there are debts? If the sole trader has contributed to the purchase of the house, and has continued to contribute to the...

If somebody has a small business and they are the director, with 2-3 employees... are they required to file annual accounts with the CRO? I am trying to find this information online. I can find the director and the business but there are no documents filed since 2010, but the business is...

If you own a business, what are the rules regarding using money from the till for personal use? Can you just take money here and there, or does it all need to be accounted for, as income? Is there 'the law' and is there common practice? i.e.is it common practice to ignore any law that might be...

Hi, Do employees of VHI have subsidised VHI health cover? If so... - what % is paid? - do they pay for the employee only, or also any family? - what if you are not a full employee but on contract? Thanks.

In my browsing I came across this: [broken link removed] For the life of me I can't find the page that linked to it, but it was very handy. Seeing as it is on the HIA website they probably have the same for the other providers. It is marked as March as that is when my renewal is, so they...

I have always had PHI but I have been reducing cover recently. I'm wondering if it worth buying PHI for children? I live near enough Temple St and would just head there if something happened. The cost of PHI is about 250-300 per child, I'm wondering am I really getting anything for that?

Hi, My parents (just retired) want to spend about 5 days in Rome. They would like escorted tours, but only in the morning so they are free to do their own thing. They found one such package but it did not include the Vatican. They would tend towards 4* hotels etc. Can anybody...

Last year I switched from one Laya plan to Essential Connect. I was happy with the cover levels, I didn't feel I was losing anything. I was paying about 1920 for 2+2 kids. My renewal just came in and they are looking for EUR2533. That is a 32% price increase. Is this correct? I wasn't...

Hi, I will use rounded figures to make this easier. Let's say I have a mortgage of 150k, with 25 years remaining. It is on an excellent tracker rate of 2.15% (+.65% over ECB). There is also an LTV of about 30%. I have no debts apart from the mortgage and plenty of disposable income. I want...

Married, 1 income, 2 children under 18. Wife is not earning money. We are owed 2009 and 2010 Home Carers credit, which I think is €900 per year. Does this mean I will get €1800 refund, or does it just mean that the amount of earnings in the higher rate band is reduced? i.e. I will get back...

I was thinking of sending my kids to learn Chinese! I'm looking for somewhere/someone in North Co. Dublin who could do it in a child friendly manner, i.e. through the medium of games/play etc as I'm sure it's slightly different from learning Irish :) Any tips?

Hi, I am looking for white wooden venetian blinds for a sunroom. I would like to find a chunky set. I don't mean 50mm in width... but the thickness of the actual wood used. I have seen many examples of the regular wooden blinds having snapped or cracked. Has anybody found a supplier who...

I am thinking of buying some Lindmon white venetian blinds from IKEA. http://www.ikea.com/ie/en/catalog/products/20084334 I'm wondering if anybody else has bought Lindmon blinds and if they are working out OK? I'm wary of buying anything that won't last. I have had good experiences with solid...

Hi, I want to use solocheck.ie or similar to check for director and company information. If I pay to access reports, do the directors of the companies get a report of any kind? i.e. can I be identified? Thanks

Hi, I few years ago I switched to a tracker. I currently have a mortgage of about 168k with about 28years left @ +0.65% Houses like mine were selling for 750k a few years ago. When I switched to the tracker my LTV was therefore very low. I think there was a sliding scale and mine was <50% so...

Hi, Could you please help me work out (approximately) my net income once my wife starts a temp job? I am earning €56,500 per annum and my take home pay is just under €3500 including pension contributions. My wife is starting a part time job. She will be earning €44/hour for 18 hours/week...