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    Trying to reorganise debt

    Hi Winehouse, I'm going to set out here where I think you are financially and what I would do in your circumstances. Please correct me on any mistakes, disregard my opinion as you see fit and please note I have made a number of assumptions, which are stated. Re. the 2 Apartments: Cost to...
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    57 year old in debt

    You need to run the numbers. If the offer will clear your mortgage, I'd say grab it with both hands and make things as smooth for the buyer as you possibly can - Move fast, light a fire under your solicitor, get contracts signed and agree closing date! If it is under your current mortgage...
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    morgage moving from interest fee, payments taking a jump

    Property prices have dropped considerably since August 2006 peak. You are possibly looking at a value of circa 215k now, if you could sell it (I'm sorry!). Negative equity means you can't move the mortgage to another provider unless you can put in the 100k+ difference, plus the 10% 'deposit'...
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    51-year-old divorced man, income drop, difficulties looming

    Just focussing on your child's education for a moment. Every parent wants to give their child the absolute best and education is critical. As a parent myself, I would do everything in my power to get them through the full educational system. Can I ask a question: IF you could get your middle...
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    51-year-old divorced man, income drop, difficulties looming

    I'm trying to tread carefully here. The additional 4k pa for the next 3 years seems to be the cost that is tipping you into the red. If this is for private school fees, you can't afford it. I don't know from your post what obligations for support your divorce legalities include. Maybe this is...
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    32 year old, hopes to semi retire by 40

    Just an idea - if you found a place with more than 2 acres, say go for circa 15 acres, you could set up allotments and rent them to people. It would also be very sociable and could give an 'audience' to sell any excess eggs, produce, fruit, jams etc that you have. More info at...
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    32 year old, hopes to semi retire by 40

    Hi, A good book to read on this is 'Trading Paces' by Michael Kelly. He and his wife swapped to the same sort of lifestyle you are considering. Re. finding a property / land in your price bracket, I think you will find what you are looking for, without a mortgage. As an example, here's a...
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    New Higher Education Places

    I heard on the news today that Minister O'Keeffe is introducing new 3rd level places from September, including Masters. Does anyone know where I can find out if I'm eligible, please? My circumstances are that I will be on JB for 10 months this coming September. I want to do a Masters in...
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    New build - Dunmore East - reasonable offer?

    Perhaps also check out that the nearby effluent problem has been resolved! YUK! [broken link removed]
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    Waterford . . . Where to Buy

    Hi Mike, I grew up in Waterford City, left when I went to Uni and returned a year ago, having sold elsewhere and am renting since (also in the market to buy). Anywhere in Waterford City is within 20 mins of great beaches in Dunmore, Woodstown or Tramore.The prime location in Waterford is on the...
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