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Hi, Dublin based. Have worked with Deirdre in the past, she is very good (reflected in price). http://www.deirdremongey.ie/Deirdre_Mongey/City_Living.html

Good to know I'm not losing my mind. Simply crazy that they can get away with it by having a link with some good causes. Would we be as accepting of other betting sites if they gave a % of profits to charity? Anyone have a link to the governing rules of the lottery and the % pay out to players...

I was given a ticket for this for Christmas and the draw takes place this evening. Just had a look and the raffle is sold out at 500,000 tickets at €25 each- €12,500,000 The listed prizes are as follows • 1 Prize of €1,000,000 • 4 Prizes of €100,000 • 10 Prizes of €10,000 • 30 Prizes of...

I would also be inclined to run a mile away from the idea of gifting an 18 year old an apartment. In the short term I would suggest yourself and the sons other parent to contribute the €3,000 each per annum into an account in your sons name that he can't access until he is older. There are no...

Hi, I have just been made redundant, no surprises and not related to CV19. I had a job lined up but no start date can now be given until the current situation has died down. Fortunately there was a decent redundancy package so no short term financial worry but that cash will only last so long...

If both of you are in the higher tax bracket it doesn't make sense for you to have a tax liability just for becoming jointly assessed. Allowances for married couples in the higher tax bracket should mirror your tax liability if you weren't married. As a starting point look at the documentation...

Personally I would listen to my solicitor and not random punters on the internet

The vast majority of lease agreements will not allow sub letting. Renting to rent wouldn't be investing in property, it would be purchasing a good/service, repackaging it and selling it at a mark up. This sounds like a recipe for disaster in Ireland. My 2c, if you want to invest in...

I understand that people are going to be concerned but this is not an issue that you should be remotely worried about. Assuming your tenants lose their jobs- Assuming that they do not have enough savings to cover the rent until they get a new job- Assuming the banks work something out with the...

You need to relax a bit. You make a huge number of assumptions to arrive at your wife losing the tracker. Is the rented house in negative equity? What does the mortgage contract say about a change from ppr to being rented? A number of banks have left homes rented out on the original trackers.

Different banks have different criteria. What bank and what amount are you looking to lodge? I have been asked the source of the deposit on sums over €2,000 in AIB and BOI

Joe Wicks has some good videos on youtube that are usually about 15 minutes and focus on HIIT (High Intensity Interval Training). There are also a number of alternative options there if you are relatively new to this style of workout- just search low intensity body weight workout and you will...

5 years is not a long enough time to invest in equity linked products. Stick to An post

You will need to get legal advice on this. The house is in your name and you can't just transfer it to your sibling. My best bet would be that your sibling would need to purchase the home from you, you pay down the existing mortgage in your name and they have to take out a mortgage for the...

Your brother should consult an accountant before doing anything. It is possible to buy property through your pension but there a significant number of rules around it. As he already owns a property in Ireland he is probably better off investing in other asset classes as part of his pension

I booked my wife and her sister a night away recently and it went down very well. A lot of hotels have decent offers on in Feb/March. Why not arrange for a babysitter and the two of you go out for dinner/drinks?

I agree to a certain extent but for a family with a net income of €6,000 to have no emergency fund is mad to me. Any unexpected expense could give rise to financial difficulty. Perhaps keep it in a 7 day term deposit account. In the vast majority of cases I would recommend people reduce the...

In your shoes I would do the following. €17,000 to pay off car and CC. No brainer €19,000 to top up savings for a rainy day fund. Might be slightly too much considering you have very secure jobs but I like a decent buffer. €60,000 off mortgage. Use the new LTV to get a much better rate even if...

All required info should be under the Employment detail summary. Click on review tax from 2016-2019, then 2019 and it is there.

Op you do not have any reason to be worried. You both have very good salaries that are viewed as very secure, you have no short term debt and €22,000 in savings. Whilst you are not alone in saving for your children's college education at such a young age you would be better off putting this...