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  1. M

    ECB cuts base rate to 0.05%

    Ptsb ecb +.80, 173.5k left interest 140.39 per month
  2. M

    High Emissions on VW Polo

    My own failed with similar readings. turned out there was a small hole in the exhaust. Mechanic also told me to give the car a good run before i brought it in as if i was only driving a short distance the readings could possibly be high.Passed ok when i brought it back.
  3. M

    parents savings advice appreciated

    Steven, thank you for your time.The one quetion i had at the moment was the state savings. The interest over 4yrs 2008-20012 was €3500.00. It seems pretty decent to me given the security. Would it be a good plan to reinvest it again as its earned nothing since it matured in 2012 and my...
  4. M

    parents savings advice appreciated

    Thank you for your time and advice, I had been thinking about discussing wills and getting some legal advice with the m for the last few months.I will prioritise this no, much appreciated
  5. M

    parents savings advice appreciated

    My dad has asked if i would help him manage their savings. My mam would have looked after everything from a financial point of view all of their lives however she is suffering from dementia and is increasingly unable to cope with day to day things. We went through a few things today and 1 of the...
  6. M

    Radiators not heating

    Have you tried opening the bleed valves at the tops in case they are air locked?
  7. M

    bad money manager?

    I would suggest you set yourself up on my bills.ie for your utilities and credit card and pay towards both on a weekly basis. If you do you will find it very easy to keep up to date with everything. I paid off a large credit card bill over the past few years by paying slightly more...
  8. M

    Tax back after working in Ireland for 5 months - recommend website?

    I know a lot of people that use red oak and most of them have gotten differing amounts back. I have no idea where they are based,what is involved or what you need to do but from what i have heard it sounds good. I dont know if you would be due or could claim after five months i would have...
  9. M

    Car crash - who is at fault?

    car b, regardless of whether car a had intended to turn and changed their mind, were the gardai called and what was their opinion. Many moons ago i was sitting waiting to pull out onto a main road during a driving lesson and the insructor asked me what it meant as the approaching car had its...
  10. M

    2075 euro for one days gardening work.

    It doesnt sound overly expensive to me, are they happy with the work?? They should really have gotten a firm quotation in advance. In fairness they sound like a pretty professional crew to get that amount of work done so quickly.would your friend have been happier if it took 3 days for the same...
  11. M

    Can't log into eircom account

    Yes im having the same problem and likewise same account for years, thought i was losing my mind until i read your post., not sure how to remedy it but will let you know if i manage to.
  12. M

    Tenant wants to buy house

    As a matter of interest i assume you have valued it for LPT purposes? So is this the actual value give or take a few thousand?
  13. M

    Unauthorised overdraft and cash

    Assuming your talking about the same account then no not a hope. It will just reject your transaction or tell you insufficient funds available. You will also pay massive interest on an unauthorised overdraft.if you were to manage to withdraw money and relodge it you would be at the exact same...
  14. M

    Staff issue

    You are not under any obligation to give her anything at this point, it is up to her to get a doctors letter and claim disability allowance while she is out. Very calmly explain this to her and also explain that you cannot issue a p45 to any employee unless you have a written resignation.i would...
  15. M

    Staff issue

    Dont issue a p45 unless she sends you a written resignation and request for it. Had a similar situation in our company recently and would strongly advise you to get everything in writing including ifpossible a reason for the action she took before you issue anything.I would not advise you to say...
  16. M

    Hp car finance about to end,no second key?

    You should have gotten both sets when you purchased the car, not sure what your hp term was but assuming it was 3yr agreement whatever guarantee you got has probably expired.doubt very muchthe garage will be of any help. You can order a new key and have it coded in a main dealer or private...
  17. M

    14 days to pay an income tax bill I already paid

    We had the same issue with it being filed under the wrong year though only came to light when i requested a tax clearance cert, try e mail them through ros, ours was rectified on the system after that .
  18. M

    Should I Capitalise arrears?

    I read Brendans very good and comprehensive advice on your previous post back in july. It would seem that the only progression since then is that your savings have been substantially diminished. I cant see any benefits to capitalising the arrears on this loan.i think its time both you and your...
  19. M

    Overdraft application declined - seeking reconsideration - advice required

    I had thought that you had an automatic overdraft limit on your ufirstgold ac or at least that is the way they try to sell it to you.the branch i visit on a weekly basis was trying to sell me this ac for weeks in the early part of the year as they were introducing banking charges. If i were you...
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