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    Questions re probate

    When the loan is availed of, the HSE pays the assessed amount directly to the nursing home on your behalf. When the nursing home resident dies, the HSE notifies the accountable person of the amount owed and this amount is then to be paid to revenue.
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    Questions re probate

    Your understanding is right, the €36k disregard is first applied to savings, then other assets. If MIL only had €13k in savings, then the balance of €23k could be applied to the house, so €327k @ 7.5% for first 3 years. Whoever applied for FD would have been advised where the disregard was used...
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    Questions re probate

    If your MIL’s €36k disregard is being used on her CU savings, the calculation for the Fair Deal loan will be €350K x 7.5% = €26,250 or €504 weekly. When MIL passes she will owe €504 for each week she was in the nursing home up to a maximum of 156 weeks. Whatever is owed will then be adjusted...
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    Entitlement to Irish State Pension?

    When in your first year did you start working ? If it was late in the year it is possible you have enough Pre Entry Credits to bring you up to the required 520. PEC’s don’t appear on your contribution record but will be taken into account when your eligibility for a state pension is being...
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    Problem with house buyer, trespasser

    If this is the case, go to your local garda station and report it.
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    Bullying of small cars.

    I see buses doing many things that they should not do, but speeding is not usually one of them on national roads and motorways anyway, they are all fitted with speed limiters. Single or double deck buses which are not designed to carry standing passengers can legally travel at 100 Kmh on...
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    Bullying of small cars.

    I drive big and small cars, in my experience it doesn't matter what you drive, the drivers of trucks in paticular will be up your ass regardless. I regularly drive a two lane national road with kids, the speed limit on this road is 100 kmh. I prefer to stay in the left lane where traffic is...
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    Fair Deal/Nursing Homes Payment of fees and CGT on sale of shares

    I can't answer your specific question, but regardless of how you decide to pay, your Dad’s shares / savings will be dropping by nearly €100k a year on nursing home charges alone. Many are not aware that you can apply to be reassessed every year and you will then only have to pay 7.5% on the now...
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    Paying by Cash and Card in self service checkouts.

    So if your shopping cost say €17, you would get €5 change from your €20 and if your shopping cost €18, you would get no change from your €20 ?
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    How much OAP pension will my wife receive with 18 years PRSI contributions

    My understanding is; You can only claim homecaring until your youngest is 12 years old. You can claim beyond 12 in certain circumstances, or for an adult who needs care, but the combined homecaring and credited contributions cannot total more than 20 years. If your wife qualified for the full...
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    Raising lower kitchen cabinets

    Usually the kickboard is held in place with push-on clips onto the front adjustable legs, remove the kickboard, raise all 4 legs on each unit, and push the kickboard back on. You are probably going to encounter problems though. The units will probably be screwed together, raising them will be...
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    Ballpark figure for complete change of car tyres?

    I got 4 x Davanti 195/65/15 last year from Atlas for €360 balanced / fitted etc. They come with lifetime warranty (Tyres over 5 years old excluded). It's all explained here; https://www.atlasautoservice.ie/davanti-tyres
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    RPZ’s and house sales

    I can see some problems with that. I could only sell my house that I bought 25 years ago for €200k, but my neighbour who bought the identical house next door last year could sell his for over €600k.
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    Calculate money saved by over paying mortgage.

    This calculator will do the job. https://www.drcalculator.com/mortgage/old/ie/
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    Revolut to offer car insurance

    Revolut will just sell you the policy and take payment. If you need to claim, you contact Revolut's insurance partners directly. https://www.revolut.com/en-IE/legal/insurance/
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    Ward of Court & The Assisted Decision-Making (Capacity) Act

    Will your parent need to avail of the optional nursing home loan ? If not, you as a specified person can apply on your parents behalf without any legal involvement. Applying on behalf of someone else If a person is unable to apply themselves, a specified person may apply on their behalf. A...
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    Impact of location, job title etc on your car insurance

    It's fascinating alright. One of my adult children's motor renewal came to the family Dublin home, he had recently bought his own home nearby but now had a different postal code. He notified his insurers of the new Dublin address and his premium went up by €150.
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    Suggestions as to what might be the most suitable Wifi operated central heating control for a summer home

    Another satisfied Ember user here. The app has the facility to add additional homes.
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    Have car rental prices gone mad ?

    Last year the car at the airport with the cancellation option, additional driver and full no excess insurance was €550 in Spain and €1500 in Dublin. I just tried similar dates with a similar car with the same extras from the same rental companies, a small drop to €500 in Spain and a substantial...
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    First Communion time !

    I know it is the norm for many, but it is madness. A niece of mine made €800 on her communion day. A 7/8 year old has no need for that amount of money.
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