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    Advice on Savings

    TR Covered up to 100k but interest is only on 1st 50k so probably no point leaving more than that in
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    How do I know landlord is genuine before paying deposit?

    A landlord is not going to give you keys until you have paid 1st month upfront and 1 month deposit
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    Aer Lingus Credit card - pros and cons?

    2 Fast track passes, 2 lounge passes and 2 European flights are great perks. The monthly cost is same as what i would pay for travel insurance so pays for itself.
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    Any suggestions of what to do next with our finance

    Wouldnt be much CGT but feel I would hang onto BTL as kids may want to use. BTL mortgage will be paid off by time they would look to move out
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    Any suggestions of what to do next with our finance

    Currently sole trader but speaking with accountant to see if setting up company is better way to go
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    Any suggestions of what to do next with our finance

    Self Age 48 Spouse age 49 Income Annual gross self: PAYE worker 124k. Discretionary bonus approx 100k Spouse- self employed approx 100k Assets and liabilities Family home value 1.2m with 200k mortgage. Fixed at 1.95% until april 2027 BTL value 230k. 85k mortgage outstanding maturing Oct 2029...
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    Money Market Funds

    Is it possible to invest in daily money market funds where you can just roll your deposit and take advantage of the interest rates closer to 4%? I looked at Trade Republic and Lightyear but they don't seem to offer them
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    "ICS Mortgage’s parent bond deal lifts competition hopes"

    100% right. I locked in a 5 year fixed with them at 1.95 back in April 2022. They are now up around 5.95%. I had hoped once out of fixed I'd have a choice to fall back on a reasonable variable or lock again but they will be forcing customers to move. They are now so non competitive I question if...
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    Lightyear Paying 3.25% Instant Access, No Fees & 20k Protection

    Anyone know why there is a difference and 100k isn't covered?
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    1% Govt levy matched on investment plan

    Hi, I have a Zurich investment plan. They will give a 101% allocation so you don't lose out on the 1% government levy. Just wondering are there other providers with a similar incentive?
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    Mgt Fee in Arrears, withhold Insurance Claim?

    I had this problem before. I did process the claim but then deducted the arrears and paid balance to the owner. In hindsight I regret this as the block premium doubled and they went straight back into arrears the following year. Now at every AGM I stipulate in the pack no claims will be...
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    Wayleave on land

    Hi, Looking at buying a property that has a wayleave in the garden running by the side of the house. I understand this was so houses behind could access utility mains. All of the pipes are underground. Is it possible for me extend to the side of the house which would mean building over the...
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    ptsb has sold a tranche of restructured mortgages

    Brendan, Banks have for many years securitised portfolio of loans. This frees up balance sheet to allow more lending. PTSB was a frequent issuer for years securitising performing loans.
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    Mortgage approval clause in contract when selling house

    Hi, I am selling our house and the purchasers have sent in the contracts and deposit. There is a clause (below) that states the purchaser could rescind the contract without penalty if they don't have mortgage approval. I was given the impression they already have this and it makes me concerned...
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    Previous tenancy not registered with RTB now with 100% hike

    I am interested in renting a property that has been rented previously for many years. The asking rent is without doubt a huge leap from the previous tenants. It is in a rent pressure zone but what they are asking is definitely more than 4% increase on last tenants. The landlord did some...
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    No one prepared to act as director - any advice?

    Pandora...I am in a similar situation. Finally got 1 other owner to be a director but it's just to tick a box as I do everything. I found at previous agms some owners would give out about things but then take no involvement to help. I ended up taking out directors insurance as a result as I...
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    Inheriting property while parent is alive

    It is the plan from my mother to leave her own PPT and her parents house which she inherited 15 years ago to her 4 children. The value of both houses would be under €1.2m so the €310k allowable threshold per child will not be breached. My brother has lived in the 2nd home for 15 years and pays...
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    Work on apartment block communal areas

    I run the management company for a very small development ( 12 apartments). I would like to spruce up the communal areas where are quite barren and dull. If possible I would like to improve the lighting, Put in plants perhaps and just general cosmetics to make it nice for the occupants (nothing...
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    Expenses on Form 11

    Hi, I'm trying to submit my Form 11 return for a investment property(reluctant landlord). Can anyone tell where on the online form do I enter in expenses such as Management fees, maintenance and PRTB registration fees? Any guidance would be gratefully appreciated
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    Employer asking me to take 40% cut ?

    Hi, My employer has told me that they need someone with more experience and stronger in the role I have done for 3 years. They have said that they like me and rather than let me go they want to move me out on the road to sales. They have said they will be cutting my wage from 36k to 22k but...
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