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I thought the reason SVRs are higher here in Ireland was because of our inability to evict non paying or unsustainable home owners who cannot afford the home they live in. A bit like insurance we are all paying higher due to many non insured or high payout claims compared to other countries.

Agree, you are moving in the right direction and that your position is finely balenced on wether to hold or sell now. With time you will clear your loans with either option. Once spouse has his €200pm loan paid off it might be a good idea to have some emergency funds just in case, but in general...

Link here - http://www.independent.ie/business/personal-finance/donohoe-admits-pension-hit-to-women-is-bonkers-36219507.html While this highlights the issue for Woman specifically I think it shines a light on the pension rules for everyone who works. I had summer Jobs well before I began full...

I think you need to have a frank discussion with your wife. You have alot of debt that looks too much for your earnings (which dont look like it will improve in the short term). You say the house is in your wifes name, but you are married so legally its now owned by the both of you. I can...

Agree with most of Brendans initial post, really nothing much in this budget for the working man and woman. I'm very disappointed that the focus is on increasing even more payments on social welfare (on all weekly payments) which we will be paying for, for years to come. We need a sort of...

+1 Agree here, what a great positionto be! book a nice holiday and as clubman said - dont put all your eggs in one basket if it worrying you. well done

I did a *Free walking tour We had a cool guy bring us around for about 3 hours. Saw alot of the city in that time with a break for food. It starts across the road from the main train station - cant remember the time - I think about 10am if your staying in a hostel they'll have info on it for...

Re: How crap are we at managing our money? +1 Keep on saving, Cash is King at this time. Only maybe buy if you get a really great bargain

tks Ixus will do, have been checking out Open university aswell.. a pity they(the UK gov) subsidise the UK courses but not ROI ones, prices are over double the cost. :(

Hi All Did a quick search but couldnt find anything. Im quite intrested in maybe applying for such a course if it exists, with a view maybe to building a business in a few years. With Oil going up and up I'd love to be able to study and learn about new practical energy sources that we could...

Hi OP A Debit Card - like the Halifax Visa Debit card ( I have one ) would be a good idea. Just open a current account and lodge 1k from the 50k you have and you can draw down from there, as and when you need to. You can buy items online no problem with it. K.

Just to update everyone, the website has been updated and is back up and running. I even found out my balance :) Now im off to dundrum for some shopping...

Hi All Wondering if you can help, have a dundrum voucher as a gift, and only bought one item in Pennys ages ago. (€15 i think) so most of the voucher hasnt been used. Went into Argus to buy somthing a few weeks ago and they couldnt put it through as I didnt have the correct amount they said...

Thks Brendan the main saving account earns 7% with Halifax so will hang on to that one. and yes it is a share account with Irish nationwide Confirmed with the secectary (opened account 10 yrs ago always kept something in it but let it slip a bit) wanted to have some exposure to China with the...

Age: 31 Spouse’s/Partner's age: na Annual gross income from employment or profession: circa ~36k gross Annual gross income spouse:na Type of employment: e.g. Civil Servant, self-employed -PAYE / Multinational Expenditure pattern: In general are you spending more than you...

Hi All Hoping you can help suggest some advice for a Trip to London next month, Basically I have searched the threads and got some good tips but would appreciate any suggestions for a special and not too expensive trip for someone I want to impress as its a surprise - we wont have alot of time...

Hi All I've searched around the site and web about this company and this area for Property with not much luck. My friend is going on one of their €199 inspection trips and wants me to go too. Does anyone have any experience of the area or the company ? I had never really heard of Calabria...

Thanks All, Im going to bin it :) its a cool feeling of having the UK plates on and being invincible as regards parking tickets (for a while anyway).. but have to stick the Irish plates on before the guards stop me.. ;)

Hi All, I just got a UK reg car (been changed over to irish now though) and got a parking ticket as still has uk plates etc on it - it was no surprise i was being lazy, i was thinking I would be just be able to throw it away anyway. The UK reg is on the parking ticket etc.. Should I bin...

I was in Stockholm a few years ago, The Vasa museet is breathtaking (Vasa Museum) The ship is amazing and can be viewed on many levels. Beside it is a (or was when I was there) a Russian Whiskey class ( I think WW2 / Cold war) Submarine which you can explore. Also Gamla stan (old town) is nice...