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In my mind the capital loss is a perception issue - your house has dropped in value and theres a 140k paper/sunk cost. Every house in the country has dropped in value - therefore your purchasing poiwer remains largely the same. I am assuming your role is moving away from a large town - in...

lol very true emaol - at least you get my point. - to the comment from coldcake, maybe you needed to think on that one a bit more. Of course you wouldn't buy a car then return it if you didn't like it........thsi is because you would first test drive the show model of the car and only take...

Berni To clarify - they were tested for service rather than used, there is no memory, no accounts to be added and if it wasn't working i'd have returned within warranty as broken. And yes I would rather its was yes or no and not subject to a random store clerk to decide on an amount he feels...

Hi, thanks for replies. I think the product probably works as designed, its just not that great, but for €160 odd it was not good enuf. I did not return as not fit for purpose anyway, just as an unwanted item. The shop only had the outer box on display when I purchased and got the...

Hi just wondering what peoples opinion's were on the following. Prior to xmas I purchased a tech gadget, which since it was xmas the returns policy of 28 days was extended, until the 9th Jan. I tried it out but found it was unreliable or poor quality. So I decided to return it as I...

oh btw the Eng v NZ game is on at 2:30 - maybe this was the time

Also be aware as with any match/concert it will take you at least 30 mins to feed thru the gates Paddy

I'll start here by saying I know nothing about life insurance, hoever a couple of thoughts come to mind: You might benefit to understand what the life cover would be used for in the event it may be required......this should help dictate the cover required Why do you ned a separate life...

Hi and welcome to AAM Firstly your situation is a nice problem to have! You are obviously well positioned, . The basic calculation that you need to do is work out if you can earn more by leaving on deposit than you pay in interest on the mortgage. With a tracker at .85 above ECB, I assume...

Did you leave your mask and shotgun in the UK or are you gonna rob some banks here too? :mad:

Why would the Skype calls to UK landlines be more expensive? The product for skype to skype is free - but forget this not relevant in yr case you are calling from skype to a uk landline - the cost here is €5.99 per month for unlimited calls to 20 euro countries as mentioned above. I call...

To start with get your property valued, confirm this first before deciding to get a clearer or more accurate picture. Paddy

I am in the compare rates and keep on deposit camp. Paddy

You need to identify why you are saving, what are your goals etc, the figure itself is pointless unless you have a planned end game. Are you looking just for a security buffer in case u lose your job, a mortgage in a few years, early retirement, college fund, blow it all in a once in a...

Give your mortgage provider a call and ask if they are open in principle to a top up loan. If they are open to it, It makes sense then that it would be worth completing the forms. However the credit criteria will still apply - if you have had a salary cut, would you qualify for the full...

Presumably the only way to know what way the insulation is looking down from the roof, or do you need to dig through it? I have the same issue, although we will be building above this room at some point so will look to address it then, be good to know when and what to look for. thanks...

What are your current qualifications and where do you hope further education would lead you? Whilst I agree the ACCA is a very good qualification, it is also very specific. I have worked in several area's including Funds, I am part Qual but did not complete as it is not relevant to me outside...

any rational behind that statement, especially given this thread is nearly 2 years old?

pension in place for 38years? Doesnt that make you like around 100 years old? i'd be happy if I could wipe my own behind at 100 and know my name and that of those around me let alone still be able to type

Ebay - google search did't throw up much else. Paddy