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We have very basic Vhi policy PublicPlus Care plan, which tbh covers barely anything but costs very little. I want to upgrade our policy and contacted VHI to do so, however, they won't until next May at renewal date. Can I go to another company and forfeit the remainder of our current policy...

Thanks for the reply Brendan, no we are with BOI for our PPR. Hopefully (or not) in another 4 years it will have gained more value and we won't have as much as that of a short fall/loan. I guess we will keep plodding away with, the epitome of the reluctant landlord!

Hi, We have a 3 bed semi in Cork City North side, our previous PPR, currently let. When we moved we had remortgaged with PTSB on a tracker rate BTL, for 288K, this was in 2006. This released the 'equity', which enabled us to purchase the site for our new build back then, the property was highly...

Thanks RedOnion, so it seems that the RCT is correct! :( So we've outlaid for materials, paid staff, incurred expenses and been half paid for our pleasure. Yes it seems you can right it off against tax at year end but we did the work in Feb, and this is all now only coming to light as they were...

We are a small company, and we did work for a new large company a few months ago. Works were quoted, and agreed upon and were completed with the site engineer. (We supplied products and there was also installation/commissioning involved, overall invoice value was 21+K). After we submitted our...

Thanks to you all for the help and advice. It's very much appreciated.

Thanks Steven, The old pension scheme is being wound up with Towers Watson, and they will move it to a Zurich medium risk PRB, of target asset allocation of 25% cash and 75% Approved Retirement Fund at retirement, if I don't advise otherwise on 30th Nov. Cash is currently in Irish Life Consensus...

Thanks so much for the replies. Can you give me an indication of what fees are likely to be? Even approx? We are so green and were ready to sign up! Fees and commission weren't even discussed...feel very dopey now :(

In 3 years house prices will also have risen and you will have spent 36K in additional rent. If it was me I would go with MichaelM's suggestions.

42 yrs old, I have a pension currently in stasis for the last 4 years (since I left the company) with previous employers brokers worth 68K, currently setting up a pension with new employer, and getting advice from PTSB Wealth consultant who is handling that. He has suggested moving old pension...

Thanks for the reply. The 'directors loan' was just an idea. Rather than pay 5.74% to the bank, would it in theory be possible to pay it to the company. The company is existing and has cash on hand. We were wondering should we set up a company (husband and wife) in order to reclaim the Vat as...

hi, just wondering which option is better. Small business, need to move to a new premises. Found premises and trying to decide which is most tax / cost efficient way of buying it. Commercial unit, comprising of workshop/ small factory & office. Managing director and his wife (also an employee...

Update. Well it turns out my extension was built right up against the side of her house. She currently has a flat roof lower than mine, and my drains / gutters overhang hers slightly but feed into my drains. She showed me her drawings and she is going to raise her roof to a tiled roof matching...

Never thought of it from that perspective, covering herself, thanks ang1170 & Alexa.

Thanks, we have a high hedge between the houses and both are fully enclosed back gardens, the only way I can see what's going on to that side of my house is via her back garden, accessed via her back door. She is allowing me to call in and see the cracks tomorrow to take pictures of them. She...

Just got a call off my neighbour at my old house. My house is now rented and hers is adjoining mine, semi-d's. I have a kitchen extension (done before I bought) and she has a smaller one. My roof is a proper tiled pitched roof and hers currently has a flat roof. She is extending approx. 3 ft...

Sounds like a great idea to me. Why struggle at this stage of your life and have these worries. Also the maintenance of your home is currently your issue, whereas with a landlord it's their problem if the boiler goes. The important thing is to choose the right type of accommodation to suits your...

Just to update so it might be a help to someone else. Have managed - after another half a dozen phone calls to get her insurance quotes in her own name, once the car is also in her own name: Axa for €900 and from Aviva (subject to Ignition course) for €1019.00 both for 3rd party fire & theft on...

Sorry for hijacking this post but can I ask who you got insurance with? I'm having a lot of trouble getting insurance for my au pair. My husband has his with AIG through AA and I'm a named driver on his policy but due to his engine size and her driving experience his insurance company won't add...

Could you do flight only with one of the charters like American Holidays to Sanford Orlando? Might be worth a phone call.