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    Key Post Ulster Bank mortgage customers should fix for as long as possible before ptsb buys the mortgage and bumps up the rate

    have a fixed rate expiring in September 2022, (it should expire in may 2022 but that's another story), does anyone know at what rate PTSB will get these mortgages, will I have the opportunity in about 12 months time to re fix with UB or will my mortgage be with PTSB in 1 year?, anyone any...
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    Ulster bank to pull out ?

    any decision to come out of the market could take sometime, would suspect they'll look to offload as many NPF as possible
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    Key Post It may be much cheaper than you think to break out of a fixed rate early...

    though can a fund determine what rate they apply via subsidiary who manages?, is there a barometer on which rates are determined in these funds or just pluck them from the sky?
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    Key Post It may be much cheaper than you think to break out of a fixed rate early...

    UB cap the breakage fee at 6 months interest, would think UB will have a few anxious customers now with speculation that a vulture fund is interested in buying its entire loan book, from a personal point of view what happens when a fund takes over your mortgage?, is there a subsidiary that...
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    Staycation Tax Break scheme

    only applies through businesses registered with Failte Ireland for staycation tax breaks
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    Banks are right to charge interest on mortgages with Covid payment breaks

    good piece Brendan, at some point it would be helpful to see all mortgage rates close to or below 2%
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    Single Scheme purchase facility – Values

    I don't think any vote was cast on this, is it not provided for under public service pensions (single scheme and other provisions) act 2012 and therefore has a legislative basis as oppose to normal IR agreements
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    Wearing Face Masks in Public.

    if you can't maintain the required social distance currently 2m then masks are a no brainer.
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    Time to lift the 5km/20km restriction?

    the virus is suppressed in the community, I would think in phase 2 a further loosening of the restrictions will occur, however, this would obviously be predicated on figures continuing on the downward slope
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    SFT limit

    Thanks @SBarrett presume its just a budgetary matter?
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    SFT limit

    in or around 2014 this was reduced to 2million, was there ever a mechanism for this to be reviewed?
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    Selling items through a hatch...

    quite a few business have installed a 'hatch' at the main entrance, really helpful
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    Joe Duffy Pension

    Joe Duffy has a 'P Flynn' moment....
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    Covid testing - delays - what is the issue ? Just isolate

    community test results are still taking in excess of 7 days, don't get caught up in the waffle of a quick turnaround, this MUST be improved prior to any restrictions being lifted, hospital test results take a matter of hours
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    Forward planning for Cost Neutral Early Retirement

    so then what is the basis of applying an actuarial reduction?, I cant understand how some sectors are interpreting this differently?
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    Forward planning for Cost Neutral Early Retirement

    would the supplementary part also be actuarially reduced on CNER?
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    Joe Duffy Pension

    as he is a contractor what rules in terms of taxation are contractors subjected to given they could establish a company?
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    2 years shy of 40 years public sector pensions

    https://circulars.gov.ie/pdf/circular/finance/2005/10.pdf
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    What next when tenants refuse to pay rent or utility bills during COVID19 crisis?

    if the bill is in the name of the tenant, is the liability not with the name on the account?
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    Covid testing - delays - what is the issue ? Just isolate

    is every community facility now reporting a 3-4 day turnaround?, I'm still aware of individuals awaiting test results greater than 8 days
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