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    Bin collection services - dublin - greyhound , citybin and Thornton’s

    +1 CityBin are great...Brilliant guys. Greyhound are the epitome of shocking service
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    Dublin Solicitor fees

    I did it and took a bit of time but was not a pain to be honest. Very much worth it and the Council when I did covered the legal bill if I remember. Have you asked them?
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    Rolling CC balances for zero interest

    Ulster deposit the funds directly into a current account. It was a surprise to me too that they did this. I have heard annecdotely that other banks also deposit into a current account. €1585 is not to be sniffed at. Not a life changing amount of money but every little helps. You are...
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    Rolling CC balances for zero interest

    Because you have overpaid with the lump, you can pull back. I am not saying though there is no risk....but it can be a money saving technique if you are diligent
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    Rolling CC balances for zero interest

    I used 100 a month to illustrate an easy example. I wouldn't advise doing it for 1200 a year. Also , to be clear I have borrowed money in this way but not to use against a mortgage. I used it for another significant purchase for which I knew I would be getting a windfall later in the year to...
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    Getting a mortgage with covid wage subsidy

    PTSB have inserted a clause in the offers they are making for remortgaging stating you can't be on the wage subsidy....
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    Closing credit cards and stamp duty

    I get you. But what's your take on what a transaction is? Is it a purchase only or is it any activity on the card? Let's say (in my case) , you have a CC with balance transfer but never actually make a purchase on it. Every month you pay off the minimum balance and the clear the balance...
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    Closing credit cards and stamp duty

    I understand if you keep the CC , then the stamp is due even if you don't use the card but if you never have used the CC, my understanding is that the stamp is not due if you close the account before the stamp is due to be collected....is that how you read it?
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    Rolling CC balances for zero interest

    I disagree. It's free credit and why not use it to your advantage. If you can for example contribute an extra €100 a month to your mortgage payments to pay down the debt a bit quicker, why not borrow €1200 interest free and throw it at the mortgage in the beginning and then pay off the CC debt...
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    Rent of affordable home - update?

    Hi Bronte, I think he is referring to the rental element of a shared ownership loan. Brendan does clarify though what the term "rent" means in this instance. http://www.askaboutmoney.com/threads/how-shared-ownership-works.171257/
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    Advice on transferring AH to 100% mortgage with DCC

    I don't agree. I have shared ownership loan and am fully liable for the LPT. - I don't think this is the motif. As regards the pitfall of moving to 100%, I don't know. I really think it is a case of simplifying the loan. I have read Brendan's post a couple of times and it strikes me that he...
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    transfer of property title from single to joint ownership with spouse

    I think Brendan you have help me answer the question with your concise points on why it is not a good idea leaving aside the the tax question. Thank you
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    transfer of property title from single to joint ownership with spouse

    This would tell me that I shouldn't do it as my tax bill will rise?
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    transfer of property title from single to joint ownership with spouse

    ... (1) Bank will allow us to do it. (2) Interest rate not affected by transfer of title. (3) We are already jointly assessed for tax so in theory no change I would have thought. (4) Great news about no CGT issues (5) Great news about no stamp duty or gift tax. I beginnning to wonder is it...
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    Rent of affordable home - update?

    That's the €64000 question!
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    transfer of property title from single to joint ownership with spouse

    Hi, I have an apartment in my own name that I lived in before I met my spouse. We subsequently married and bought a family home together. The apartment is now rented out as we are trying to trade our way out of negative equity. I have been think to change the title on this property from...
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    DCC leasing affordable housing - Tax implications?

    I had asked before about renting and was told no. I then heard an ad on the radio that they were in desperate need of rental properties and were prepared to enter into leasing agreements. I rang them and gave them my story about how the apartment was financed etc. They came back to me a few...
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    DCC leasing affordable housing - Tax implications?

    DCC have advised me that they are prepared in principle to lease my apartment which was purchased as an affordable home using shared ownership as finance. This is in response to their recent request to property owners who are looking to lease out their property for periods of up to 10 years as...
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    Moving to joint life cover from single on AH/SO

    Understand your point Monbretia but just wondering has anyone managed to add their spouse on to the life cover offered by a council for SO
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    Moving to joint life cover from single on AH/SO

    Hi, I have AH with DCC purchased through SO. I bought this in 2007 when I was single. I am now married. I would like to extend the life cover that i pay every month with the payment to DCC to cover my wife also should the worst happen. Has anyone on this forum any advice for me? Have they...
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