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In a situation where a mortgagee enters arrears on his/her mortgage, and where a guarantor was installed on the mortgage at time of mortgage being issued, at what point does the guarantor enter the fray re: payment of mortgage?

excellent, many thanks sahd

hi I didn't sign anything with the agent and there was no written agreement or mention of 'exclusivity'

They found out from me personally.

I have a property advertised with an estate agent, however there is someone I know who may be interested in purchasing this property. My question is, if we arrange to conduct the transaction privately, can the estate agent sue for his fees in this situation?

This obviously means that if everything is in joint names when one party to the marriage dies, there is no need for a will(assume no mortgages/debts)??

Hey Trellis, how did you get on with the silver

There is no CGT on gold. What I am unsure about is silver, and whether physical delivery of silver attracts a customs and/or vat charge?

Not home, living at different address. This is definitely regarded as capital for the means test.

Does anybody know what formula the DSP use in calculating the value of property in the means test for social welfare payments? The link here http://www.welfare.ie/EN/OperationalGuidelines/Pages/meansassess.aspx#sect1 unfortunately is not working at the moment. There is about e25k of excess...

You could just travel there and bring it back yourself. Doubt it - governments are attempting to ENCOURAGE gold purchasing the world over atm.

Whats the name of that card? 'Click'?

Precisely.

There would be money to be spent in the bank account!

Aib have an 'apply now' facility on their online banking website that allows customers to apply for credit cards. On clicking this link, it brings one to the code card entry point, after which a screen is presented containing details including annual salary, date of birth, address, etc. The...

You can only view a probated will if you were included in it in some way or another

If you treat it as an offshore fund, then that means you are liable to 40% CGT on any gains arising from sale of these ETFs? The 'Capital Gains' section of ROS has a box for: Offshore Funds (Section 747A TCA 1997) chargeable at 40%

Check the singapore air site now, 1way to perth 10 days from now for e574 from cork/shannon/dublin, this blows the a@$# out of it! And apparently not a bad crowd to fly with either...

Is there a minimum connection speed that these will work on? I know that on slower broadband speeds there's a lot of buffering...

I'd say we're both bringing issues to the table, which have led to the present situation. It has never been positive between us since his late teens, nothing in particular occurred that I could think of, just gradual distance and separation, and the beginning of 'critical evaluation', if you...