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    Fair Deal Scheme Calculation, home is Joint Tenancy, not Tenancy in Common

    Are you sure this is the case? I would have thought that this will only be the case if the deceased party has willed the surviving party their share.
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    BOI "Green Rate" 3.65% vs Avant 4% - Four Year Fixed

    €100 per month will cost you €4,800 over the initial 4 year period - c. €9,600 in gross income - personally I'd take the cheaper option and review the situation in 4 years time...
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    AIB mortgage- fixed or variable rate?

    One of my long standing bugbears for all the years I worked in the bank was the fact that customers were forced in to making the 'full duck or no dinner' choice. Fixed or variable. I failed to convince them to offer borrowers a choice of fixing a portion of the mortgage rate and leaving some...
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    Electric Car Value Trade In. Please Help

    Would you consider trying to sell it privately to see what you might get for it? Have you looked at the likes of carsireland.ie to see are there any comparable cars to your own on there for sale? There are a number of articles/commentaries on the internet that suggest EV's do have a very high...
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    Spanish Mortgage

    Personally I hadn't heard of them, but I see these reviews on TrustPilot - those that have used them seem very satisfied with the service. best of luck whatever you do... https://ie.trustpilot.com/review/www.habeno.com
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    Home insurance - what are people paying on average?

    With Zurich. My renewal mid last year. Quote up about E70 on previous year - never had a claim. Rang them and they reduced to previous year cost - they quoted an offer on the original quote to do a three year deal at current price - I got them to agree at the reduced level so I did a three...
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    Sell Rental or hold

    Was in a very similar position as yourself - back in positive equity - in a RPZ - grossing c. E1.3k per month- recent lets for a similar property were grossing c. E1.8k per month - on a tracker on which repayments had increased by c. E400 per month - was having to fund tax payment of c. E6k per...
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    Is it time for private landlord to exit the rental market in RPZs?

    Was in the same position as original poster - that with the threat of SF coming in to power convinced me to sell up, which I did a few months ago...
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    Am i calculating the CGT correctly?

    If you bought the shares pre 2002 indexation relief may be available to you which could reduce or eliminate the tax charge.
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    Cheque Validity Period

    Yes - 6 months - if its a bank draft then it never goes out of date.
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    Revolut anti-fraud measures are no joke

    This is the Bank of Ireland warning before you attempt to set up a new payee. An incredible deal you were not expecting? Too rushed to get other quotes? Stop and think. This is likely to be a scam. Discuss the deal with someone you trust. Research it, and any reviews of the seller...
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    Landlord incentives

    I didn't wait for the Budget. Tenant moved out a few months ago, and I've now sold the apartment - like others getting well below market rent as in RPZ and the prospect of SF in Govt saying they'd freeze rents for 3 years enough to convince me to get out.
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    Misled on flight cost.

    I'm confused - what price did you actually pay for the flight?
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    Interest only repayment amount

    If you are only paying the interest then your capital amount owing wont change (i.e. it will remain at E187k). You state you have 'paid off E25k' in the past 2 years - do you mean you've reduced the capital amount owning to E162k?
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    Over 50% of mortgage holders in long term arrears are paying nothing

    100% agree. One of the reasons why Banks outside the country are reluctant to enter the Irish market...
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    Fix for 5 or 7 years

    would you consider 50% in each product and hedge your bets?
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    €440 battery for nearly new BMW 218

    That seems very strange, bought a 520d new in 2007 and kept it for 13 years, same battery for the entire duration
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    A couple splits up at work

    Employer is playing them to do a job. They both need to be professional and do the job they are paid for.
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    eir wins the "Excellence in Public Service Award"

    Were they the only one in the competition?
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