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went to st johann this year (feb) as first timers found it excellent, stayed in a guesthouse and found it very good and very pleasant. go for the package as it takes alot of the heartache out of it for the first timers.

there is no security issues in making a refund to the same card that the product was bought on. had it been to a different card then ok but not to the same card.

i think a fine and costs which come to €1200 for failing to have a shelfedge label is hardly a weak censure. bit over the top if you ask me, there are far more important problems than worrying if a supermarket is missing 5 or 6 price labels.

Im not suggesting that people prop up their local businesses but im just asking people to think of the big or long term picture, the likes of tesco , aldi and lidl are not good for ireland in the long term, they expatriate all their profits and get alot if not all of their products imported...

Hi seventh cat, you have taken the first step by acknowledging that you have a problem. step 2 is to physically cut up your credit cards and store cards and cancel them all---they are your road to ruin. step 3 cut out all socialising for 2 months, thats ALL socialising--you cant afford it and...

you have 2 choices , 1. get signed off sick and claim whatever benefits you are entitled to and recieve no pay from your employer 2.take the time off as holidays and recieve payment in full from your employer , but you cant claim sick benefits whilst on holidays.

annR look closely at the labels and you will find that alot of their fresh products are actually from the north, esp aldi, not defending dunnes but at this time of year you get new potatoes from cyprus and italy and israel until the irish potatoes come out. they bring nothing to the community...

in a word yes, the likes of tesco are particularly odious and you only have to look at the damage they have done to the village/town life in the uk to see how many town centres they have ruined. value is relative and as johnrambo said its a mix of quality and cost, your not comparing like with...

People need to reevaluate their shopping habits , make a list and stick to it .keep an eye out for bargains.buy only what you need it is estimated that up to 30% of food is thrown out, it would be better and cheaper to top up your shopping in your local shop then to spend big in the supermarkets...

in a low interest rate environment they are good value as part of a diverse portfolio however i think with the recent rises and another one looming the value in holding them is dwindling

phoenix they dont know but if you are ever audited its very easy for the to get these details and then you will have fines and interest to pay.

what amount in value should you buy shares in order to optimise savings/costs. and i have a portfolio covering 10-12 companies, should i continue to expand these or should i bulk them up. cheers shelflife

it boils down to what you want to do. technically your friends are probably right in that 30K over 20 years "should" make more in shares and property than you would make/save over the term of the mortgage.ie 30k at say 5% over 20 years generates 30k in interest savings, it would be reasonable to...

mbna /pigsback give piggy points for money spent, and the points can be used in a variety of ways,but not airmiles, still better than nothing

no commission for ye boys then????:D

a will is a public document and as far as i know is available after death to anyone who wants to see it.

i agree with doing, talk to an accountant get him to set up your books and advise you of what is allowable or not.then keep the advised records in a neat fashion and present to the accountant when he asks for them , yearly or otherwise.

if your a sole trader you are not a company, they are two totally separate entities.it would be prudent to keep a separate bank account

i would advise cutting back your spending and forgetting about a holiday, you are already in debt and you are considering going on a holiday yoou cant afford. wake up and smell the coffee.

yes it is a generalisation but i come accross it every week, that age group havnt seen unemployment or "hard times". of course it doesnt apply to all under 30s but it does imho apply to most.