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  1. J

    Quality Bargain TVs in the sales

    I assume RMCF's post concerns the annual release cycle of TV models. Most companies demo their 2012 models at CES in early January. My understanding is that old models then get cleared out by February/March to make room for the newer stock. Do stores further reduce in Feb what they didn't manage...
  2. J

    Under tile insulation

    Conshine, I've never seen any and it's too late now. Mrs Josip has already ordered her tiles and they're coming from Spain by truck/trawler even as I type.
  3. J

    Under tile insulation

    We're insulating an existing house before we move in. The only weak spot left are the kitchen tiles on the concrete floor and I had thought to put tilebacker boards under them, the type that are used under electrical underfloor heating system. I've been quoted 53 Euro/sqm inc VAT however for a...
  4. J

    OAP free entitlements means test question

    Black Sheep, she is currently in receipt of both Free Fuel and the Household Benefit Package. The Irish Independent article is indeed speculative and while nothing is definite at this point in time, I was wondering if people's knowledge or experience of similar means tests would lead them to...
  5. J

    OAP free entitlements means test question

    From today's Independent "The Department of Social Welfare calculates the weekly means test by adding together the maximum rate of state contributory pension of €230.30, plus €100 and any further allowances paid for a qualified adult, dependent child or Living Alone increase." My mother is...
  6. J

    Mortgage Application Details Confidentiality

    Are the details in a mortgage application fully confidential with the lender? Will the bank disclose any details to Revenue? If so, is it only those details where it is suspicious of money laundering that it will disclose?
  7. J

    Will bank know we're renting?

    Quite possibly, although from many of the posts here I think lenders, especially AIB, currently view anyone with a heartbeat as a risk. We originally had a 50% LTV on our existing mortgage and still have a 60% LTV thanks to some serious overpayment, so hopefully not all institutions will look...
  8. J

    Will bank know we're renting?

    Your understanding is correct MH and ethically, morally and legally your advice is also correct. Having been on the receiving end of a few banking errors in the past however, I no longer expect any bank to be honest with me. I wouldn't defraud a bank out of any money, but at the moment they...
  9. J

    Will bank know we're renting?

    We have a very good tracker rate on our existing mortgage with NIB for our apartment. TRS expires at the end of this year. We are considering buying a house next year and renting out the apartment. If we take out the mortgage on the new house with another lender, and rent out our current...
  10. J

    Sunday Times article on the Irish economy - a fair assessment?

    I completely agree with tiger. I didn't see anything factually incorrect in the article and I think it accurately depicts what happened in Ireland over the last 20 years. The fact that many psoters prefer to focus on the origin of the article rather than the contents would indicate that there is...
  11. J

    Moving deposits out of Irish banks into non-Irish owned - who guarantees what?

    This has become a growing concern to me over the last 2 weeks. Can the government forcibly convert all existing euros held in accounts in the state into "krona-punts"? I would have thought it more likely to happen in a nationalised bank than a foreign owned one? How do you legally hedge against...
  12. J

    Written consent to sublet likely?

    From the NIB website today the Standard Variable APR is 4.23%. http://www.askaboutmoney.com/showthread.php?p=781983 says the Buy to Let is 4.6% but this would be interest only repayments I assume. I don't know what the rate would be on an owner non-occupier standard variable (principal+interest)...
  13. J

    Written consent to sublet likely?

    We currently have an NIB tracker mortgage at 0.51% above ECB on our apartment. We plan/hope/intend to buy a house sometime in the next 6-18 months. If possible, we would like to keep our apartment and we would probably have enough for stamp duty plus 10% deposit on the house. While getting a 90%...
  14. J

    Deeds of Covenant

    I entered into a covenant with my mother 2 years ago for €400 gross (€320 net) per month. She's on an over 70's pension, clearing €237 a week after this budget. At the time we chose the amount so that it wouldn't put her over the tax free allowance limit. It now appears that she will lose her...
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