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    Downsizing to a bungalow

    Interesting dilemma. I note your reluctance to move into an apartment. I'm doing just that. So, My thoughts are: Loved the 3bed house I bought all them years ago, in a lovely estate in Dublin on a large enough plot. Large enough to build out and up again. Kids doing well for themselves and...
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    Newer Car with High mileage or older car with fewer?

    Agree, The smarter choice is the 201. Also, would not be at all surprised if the rental had some cosmetic paint work to keep it looking fresh for rentals
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    Should we ask parents for help paying for private schools for our 5 kids?

    I expect to be out in the cold here, but, I find you post pretty sad tbh. Your question here was, should I ask for help from my parents. Really?? Finically, you are very well off, you want the sun, moon and stars, and, want it paid for from your parents. In anyone’s language, that’s a...
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    How to get car fixed after minor accident outside insurance

    Just as a heads up on using the facility of your comprehensive cover, when your not at fault. You are encouraged to use this facility by your provider, even when it’s clear your not at fault. I believe it’s based on retention at renewal. As stated, you must declare you have made a claim on...
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    How to get car fixed after minor accident outside insurance

    Sounds like You’ve done this posterior about face. So you have claimed off your own insurance policy, and now hope the the person who hit you 1) has taken full responsibility 2) has cover in place Just to note, you have now made a claim on your policy, your policy is affected until liability...
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    Faulty Indicator

    It’s 99.99% a bad earth. The most common issue there is purely a bad earthing on the lamp wiring loom. Renault and older Fords are well known for this. First thing, check the lamp unit for secure connection. Second, check for corrosion at the connection point. Corrosion has a greenish colour...
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    HAP Tenant offers to buy their rented property

    In relation to some comments above re HAP, and what's going on out there, I spoke to someone who wasn't happy in their job, as they wanted more money, offered them a position with more money than they were getting,... Stipulation.. I cant increase their salary on the books, it will affect...
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    Separating from wife, looking for advice on housing

    Its this very situation I'm referring to in my previous post.. How some posters think the wife will be amenable to taking on such liability is baffling, Its easy to say such things when your removed from the early stages of separation.
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    Separating from wife, looking for advice on housing

    Having a a €30k Mortgage loan drawn over 29 years.... Doesn't make sense to me....
  10. L

    Separating from wife, looking for advice on housing

    Whilst anything is possible, that wouldn't make sense in Jumbods financial position. The primary goal for most people would be to off load the mortgage as soon as is possible. Its human nature If the person lost their income, ran into financial difficulties, i can see the merit of spreading the...
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    Separating from wife, looking for advice on housing

    I think your trying to mirror your housing situation that you have at the moment… That’s understandable, as you don’t want to feel worse off in the separation scenario. But, in most cases, the kids Will spend the majority of time with the mother in the family home. Bacially, it’s being...
  12. L

    Pension and general financial advice

    But, in this case, he’s actually spot on. He doesn’t need life cover in his situation, there are many others that are not in the fortunate position of the op that do.
  13. L

    Reporting dodgy repair quotes

    I have some sympathy for the first repairer, not a whole lot, but some.. A month is a long time to be storing a beast of a vehicle. The repairer being responsible while in their care, I believe you have some responsibility there. They’re not a small vehicle by any means. The cynic in me...
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    Choice to Sell or Rent PPR

    I can see the dilemma your in with such dysfunction in the market, however, if you have any interest in returning to Dublin, you’d need your head examined to sell your home. As for the buy to let mortgage, I wouldn’t change a thing, you continue to pay your mortgage as you are now. You pay the...
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    Private sale of a house between two parties?

    No need for estate agent at all in your case. Solicitor fees won’t change from the market rate. Capital Gains/Acquisition needs to be sorted on fair market value, just in case the property price favours either one of you. ,
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    Made redundant after 15 yrs. Just discovered I was not in pension, but I thought I was

    And also just to be clear, @ClubMan , bandying the suggesting the involvement of the wrc, has the similar effect to the employer of the insurance company paying out once the word “solicitor” is mentioned. All to often, while the WRC is a valuable asset to a wronged employee, others use it as a...
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    Made redundant after 15 yrs. Just discovered I was not in pension, but I thought I was

    This looks like a case of misunderstandings, more in your case though. You assumed you were part on the regular pension as we know it. Rushing to solicitors, contacting the wrc seems to be the default of us as a nation. The Op has responsibilities here, looking for scapegoat’s is a real Irish...
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    Made redundant after 15 yrs. Just discovered I was not in pension, but I thought I was

    15 years…. How long would you have let it go before asking how your pension was doing? I get that everyone has sympathy for your situation, I though struggle to see how you seem to exonerate yourself from basic knowledge that you were not paying to a pension, and should have known same. Not...
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    Replacing or refurbishing a gravel driveway?

    I’ve seen imprinted driveways, black ones and red ones, giving that brick work effect in my area where I live. To me, they look extremely artificial. They seem to have an all year round wet/oily look about them. Have a section of the garden in gravel for the driveway, have to say, for me...
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    Debt collectors chasing me for Foreign Property Maintenance debt.

    So you still have responsibilities with the property Or, you could accept the situation your in and engage. Here we go again.. Not addressing property maintenance burdens all other residents who do engage and fulfil their obligations. This running away from responsibilities is a very Irish...
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