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    Lease or buy car

    I'm one for hanging on to a car for as long as its road worthy and don't see the value in trading in every 3 4 years. Not sure if there's any servicing included in your leasing plans, so that might affect the sums, but the way I see it is... Leasing over 36 months: €25292 / 15000 miles = €1.67...
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    Just moved to ROI with an NI Student Finance Loan

    So based on the Tax and NI figures you've given it would appear your UK salary was £26370 approx Your Student Loan earnings threshold will depend on when you took out your loan, but again from the figures you have provided it appears that you have a Plan 1 loan with a repayment threshold of...
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    Mortgage for house that has attic spray foam insulation

    I bought a house recently in N. Ireland and was informed by the surveyor that if there was spray foam in the attic he would advise us to walk away from the purchase. I can't remember the exact reason but I believe it was something to do with building control compliance, and that it is an...
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    Are estate agents always honest about house size measurements?

    Estate agent measurements are usually measured at the widest point of the room, so the actual floorspace could be considerable smaller once chimney breasts or other uneven room shapes are taken into account
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    Recommended TV to use with SKY Q box

    If you're going for a lower priced TV definitely budget for a soundbar / speakers!! And don't select your TV by what 'smart' features it has - the netflix / disney apps are a lot more unreliable on our JVC smart TV than on our firestick or Virgin box which run off the same wifi. Media...
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    Ulster UB staff/ex staff

    Interesting reading this thread. I'm former UB staff in N. Ireland and left in 2012 (resigned rather than redundant). Took out a new mortgage in 2006, part UB Staff 3% fixed and part U First Gold Tracker. All the T&Cs were on the intranet at the time in 2006, and from my recollection stated...
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    Tumble dryer - what type?

    I use a dehumidifier, but I bought it for mould prevention rather than to dry the clothes quicker. Before the dehumidifier I found I was getting black mould along the walls in any rooms I was drying clothes in. No reoccurrence since I got the dehumidifier and the clothes do dry quicker too. It...
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    Bank Charged too much on mortgage statements

    Are you sure? The withdrawal of IR cash wasn't until January 2002, so is it possible bank and mortgage statements weren't changed until then either?
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    Postponing Home Renovation: What to do with savings

    So your house is currently worth around €280k but you're planning on spending €300k on it, do you have an idea how much your house will be worth with the renovations completed? Is it likely to add anywhere near that amount of value to the property? It can be worth taking a bit of a hit to save...
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    Repaying UK/NI student debt after relocating to Ireland

    I think its too soon to decide whether or not to pay off the student loan. The general advice in the UK is that Student Loan repayments should be regarded as an additional 'Graduate Tax' rather than looking at the overall amount of the debt, as very few students will ever pay off the full...
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    Top up mortgage to fund buy to let

    Outstanding mortgage of €160,000 on a property worth €220,000 gives you equity of €60,000, not €80,000. Without securing the new borrowing on the new property it would also give you borrowings of €200,000 on a house worth €220,000 which I doubt many banks would agree to. You also haven't...
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    Rewiring a house

    Are any of them halogen bulbs? I've just had an electrician out to replace my hall and landing lights because one was flickering and the other would only turn on 20% of the time. (same type fitting for both) He ended up have to replace some of the wiring because the heat of the halogen bulb...
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    Company moving payment date from the 15th to the 28th of the month

    Not sure of the reason but it's very common in banks in the UK at least. RBS Group (inc Ulster Bank), Lloyds, Bank of Ireland and Danske bank, all pay around the middle of the month to cover all of the month they are paid in. Those are just the ones I'm aware of!!
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    Should I always increase my credit card limit?

    I think credit reference searches might work differently in NI to ROI, but last time I did a search on my own history the report stated that one of the reasons my score was so high was that I have high available credit - about £9k across 3 cards, but a low balance - rarely more than 1k and paid...
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    Driving Belfast to Tullamore

    I'm driving from Belfast to Tullamore next week. Google Maps suggests 3 different routes, with only 7 minutes between the estimated journey times. N33 / N52 through Kells & Mullingar: 2h 49 N2 through Navan / Trim 2h 52 M1 / M50 / M4: 2h45 I'm not a racer when it comes to driving, so I tend...
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    Dogs and blood pressure.

    I would imagine it falls under the same rules as smacking, but sure changing the WiFi password would be more effective anyway!!!!!
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    Dogs and blood pressure.

    'training collars' are illegal in many countries and for good reason. The dog might be quiet as a result but most dog owners don't know how to recognise signs of stress so their use leads to more problems in the long term. Reward based training is the way to go, your vet should be able to give...
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    Is a SWIRL gift card a good idea for teacher present?

    I used to volunteer in a charity shop and every July without fail there would be bags of donations of candles / photo frames etc which were clearly unwanted gifts given to teachers. Far better getting a voucher that is actually useful.
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    Giving IBAN number

    Strange, I wonder why it let me in, I don't pay either!! It may be 12 years old, but our banking systems haven't changed in that time!! Motoring television presenter Jeremy Clarkson has been forced to eat some uncharacteristic humble pie after playing down the severity of Labour's lost data...
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    Giving IBAN number

    You may not have much love for him, but Jeremy Clarkson got stung on this very issue a few years ago. He too thought that no harm could come of giving out his bank account details, so printed them in a national newspaper. If I ring a utility company to set up a direct debit they have no way...
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