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Couldnt Agree more. That thread is practically my entire financial plan. Its a great time saver and incredibly useful. Thanks Ciaran!

2.5 years salary. Thats a pretty decent number to approach with. The 2 big questions i think they'd ask are where the 70k came from without a good savings record(6 months is the norm). 2nd question being from myself, but why dont you have a good savings record in your opinion? Have you been...

When you say return on capital, do you mean rental incomes? I know this is a bit expired so please if anyone else knew the meaning, let me know. Thanks.

Would anyone have a daft report on rental from 2006-2004 Q3 preferably. I dont know if they even did them back then? Or suggest another source of data for rental properties per size and location?

Hi bullworth, thanks for the opinons and points. Do you mind if I ask your opinion and reasoning for some of these. Firstly, Im in complete agreement with the value of storing wealth in a hard asset that a printing press cant touch, i dont know if property is the best for it, but I certainly...

Good discussion so far. There seems to be more pros than cons from what i think, and can see. however i'll be far more disconcerning later when i can run through a proper pros and cons list of it. The property tax is here now and is increasing, however its currentily miniscule in comparison to...

Obviously with the significant property price falls over the last few years, Its become more plausable and potentially more profitable to invest in property to rent. For the price of 3-4 properties not so long ago, 6-7 could be had now. Now there's the obvious rule of no speculation on house...

Ive spent the night looking into investing in property over the next couple of years etc, Ill wait of course until the market bottoms out or it may have(not speculating on prices!). As the prices of property was so enormous a couple years back, and landlords are still often making enough to...

I could suggest only a few things. I think you should pay a visit to your property and take photographs of everything and the condition of everything closely. If it breaks between now and 28 days, a judge would far more inclined to believe the damage was intentional if its within the last 28...

As the fluctuations in the euro and dollar are very frequent and varying, I'd usually avoid changing to dollars. However, As this discussion has the premise that the euro may fail, Would it make anymore sense in these times to hold dollars? If the euro doesnt fail, The fx risk would be the same...

It didnt and i dont think it can. It did however highlight huge surges between 7-8(when i cook). So it helped narrow it down, and showed me that my night time usage after my cooking was still quite high. (when im using the net on my big system). lasting 4-6 hours. To break it down more...

Zero wait for me. I got a letter informing me i will need to move to JSA from JSB soon, I got a letter a couple of weeks later informing me i had been approved. There was no disruption to my payments. Note: Luckily After nearly 2 years, I've found proper work and start in 4 weeks! :D

I'd quickly bring along articles etc to show that even if the propery your husband can be sold, it would take 6 months-year to sell it and that you are looking for short term immediate help.

If the medical card charge comes in tomorrow. Would it only take affect in 2012 or would it be immediate? My partner needs to apply for one and would like to put the form in tomorrow, however there is of course processing time.. Would she be too late or do we have to find another 50euro before...

I thought i'd update this issue. I didnt forget, theres just be soo little progress on the whole thing. The policy is seems was split between three insurers. I deal with a guy at Marsh who seem to broker and deal with the policy. The 2nd and third remaining cheques were written up and sent to...

Thanks for the link. most interesting and handy to have :)

Aviva sent out a loss adjuster(i think thats what he called himself) a year and half ago. He examined the damage and agreed my reciept for repairs was adequate and i have aviva in writing that they approved the claim. Its definitely not my MC going to multiple insurers. The guy at Aviva...

sorry for being unclear. I am insured with Hibernian for buildings insurance (by my management company). I made one claim against company and they approved it. They sent out 1 cheque which partially covered the costs. Another two are suppose to be sent out. They seem to split the insurance...

HI helpful people. I made a claim against my building insurance after a small fire in my apartment which resulted in damage to my apartment. An auditor came out and inspected the damage and costs. My claim was approved. After months of chasing it, I was informed it was reinsured? with other...

Hi, I'm on JSA for a number of weeks now. I am recieving help from the HSE to pay my mortgage interest too. I am considering allowing a friend to rent a room from me. She is stuck looking for a place she can afford and ive a spare room. However I am unsure if this will affect my SW payments...