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    My driving license is up for renewal - should I get a Public Services Card?

    Hi Brendan , You need a Public Service Card to withdraw the State Pension and to avail of Free Travel if you are 66 years of age
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    State Pension - do I need to apply for a Public Service Card or how do I begin the process please ?

    Thank you and apologies for the confusion - I was asking how do I go about applying for the State Pension as I am 66 early next year
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    State Pension - do I need to apply for a Public Service Card or how do I begin the process please ?

    I will soon qualify for the State Pension - 66 , do I need to apply for a Public Service Card or how do I begin the process please ?
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    Is the old age pension still payable at 66? I remember there was some talk about extending it to 67?

    is the old age pension still payable at 66 ? I remember there was some talk about extending it to 67 +
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    Improving B.E.R. rating

    I found this winter particularly cold in my home . Any ideas how one could improve the B.E.R. without too much fuss. Thank you
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    Are property management companies worth it?

    a dozen bottles of tasty Rioja is always acceptable !!!
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    Are property management companies worth it?

    I have used the same letting and management company for years . I could not manage my properties without them and when I go on holidays I trust them to take care of everything ( I even send them a Christmas present )
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    Separation Advice

    Hi Anotherguy The 5 - 7 year deal is to enable you to buy an apartment or try and accumulate some finances for yourself going forward . If you can afford to pay a mortgage , pay your mother , pay maintenance , pay rent and still have enough for your own living expenses then go for it ( I...
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    Separation Advice

    Hi Anotherguy , I was in a similar position to yourself many years ago. The best advice I received at the time was that I simply couldnt afford to separate . No judge is going to agree to the sale of your home with an 8 + 13 year old living there. You will be forced to continue making...
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    Strengthening a parents right of residence

    Hi Angel , Unfortunately I have some bad news for you. I purchased a property in 1982 ( 6 years before I met my wife ) In 1986 I gave my parents right of residence for the rest of their lives in this property and I moved out ( my solicitor drafted the documentation ) . I married in 1990. We...
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    bmw x 3

    Hi Brendan , X3 is the model its not a multiplication sign ( everyday is a school day ). Thank you Paid for your excellent review
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    bmw x 3

    Hi Folks , I am currently driving a Honda CRV and I love it , however , it is 6 years old and I would like a change . I like the look of the bmw x 3 , a 181 with my Honda trade in would be affordable . Any feedback would be greatly appreciated.
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    Key Post The impact of Covid-19 on house prices

    I agree with most of that , but in the short term i.e. 2/3 years until we are back on our feet I genuinely believe property prices will have to reflect the effect of this unprecedented pandemic. ( even Michael O Leary has written of 2020 + 2021 )
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    Key Post The impact of Covid-19 on house prices

    Ryanair is laying off 5,500 pilots - this is just one business in one sector . If you believe a pandemic of this magnitude is not going to effect the price af property you are not being realistic.
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    Key Post The impact of Covid-19 on house prices

    Your sister shouldnt proceed as the property is certainly worth less now than pre Covid and she could start her experience in property purchasing in the dreaded " negative equity "
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    Key Post The impact of Covid-19 on house prices

    If the banks adjust their valuations as the brokers have confirmed then many transactions will collapse , if this happens vendors will have to reduce their asking prices in order to sell their properties. I suggest property prices will reduce by 15%.
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    Do letting agents add value?

    I have been using the same letting agent for 15 years and luckily we never had a problem. I say luckily because if you had taken in as tenants pilots , hotel managers , gym managers , pub managers or other similar professionals you could be out of business because of Covid. Letting agents are...
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    Freedom of Information

    Thank you both
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