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  1. M

    Revenue Form12 for 2011 ?

    I also got the Form 12 this year. I did not work in 2011 but do have some shares from a European country that I need to declare. Does any one know where on the form you should put this dividend info? Section 22, 23 and 24 cover UK, US and Canada. Where do you put dividends for other countries?
  2. M

    75,000 to benefit as Permanent TSB cuts SVR by 0.5pc from 5.19% to 4.6%.

    05% cut from 14th May announced. http://www.breakingnews.ie/ireland/permanent-tsb-reduces-mortgage-rate-by-05-549743.html
  3. M

    Plan to shift loss-making trackers on talks agenda

    Reducing the SVR would reduce the potential profits, but that doesn't mean PTSB would reduce them to a loss making level, obviously. Also, uncompetitive rates are hardly the model of sustainable business in the longer term.
  4. M

    Plan to shift loss-making trackers on talks agenda

    I would have thought so!
  5. M

    Plan to shift loss-making trackers on talks agenda

    This would hopefully ease the burden on SVR customers. Could it have any impact on tracker customers? [broken link removed]
  6. M

    Any chance of Banks "wriggling out" of trackers ?

    I think this is pretty much a re-hash of what has already been said int his thread.
  7. M

    Will house prices continue to drop?

    Heretic! Burn him, burn him!
  8. M

    PTSB Permanent TSB - Overpayments: Leave as credit or take off principal

    I don't think that is possible when you are on a fixed rate. You would have to check your own terms & conditions though.
  9. M

    Own apt with friend - think she wants to sell

    Exactly. Aside from the fact it is completely irrelevant in a buy out scenario, it's very much wishful thinking!
  10. M

    Own apt with friend - think she wants to sell

    To buy you out she needs a new mortgage. If she can do that and is willing to give you 3k into the bargain then go for it. I don't get her position though as she will need the mortgage plus cash to sort this out from what I can see.
  11. M

    Own apt with friend - think she wants to sell

    I don't think that was what was being suggested. Otherwise what was the relevance of the OP not being entitled to profit in 5 years? It would have nothing to do with the OP if they bought out the mortgage at this point. The reality is that neither party will get a new mortgage on this property...
  12. M

    Own apt with friend - think she wants to sell

    Ok that's a terrible idea for both of you. You will still be liable in the banks eyes if she stops paying the mortgage (what if house prices fall and she feels bitter about the whole thing in 5 years). On the other hand I'm pretty sure you can still pursue her for any profit when she trys to...
  13. M

    Own apt with friend - think she wants to sell

    IME they only charge if it is a valuation for a mortgage or some such. If its for a potential sell (which this is) then its free. You have a right to decide which agent you go with, which you can only do after they come to see the place and give you a ball park figure. You can also use this to...
  14. M

    Own apt with friend - think she wants to sell

    Yeah I'd agree its very rough. I wouldn't be using it for anything other than a starting off point.
  15. M

    Overpaying mortgage and 'term' of same - clarification sought

    The term is the length of the mortgage. The first option will reduce the capital amount (the amount you actually owe) and hence the term. In this option the money is "spent", so you can not withdraw it again. The second will sit in an account earning interest and will be offset against your...
  16. M

    Can i keep my tracker mortgage on new house?

    No you won't be able to keep your tracker mortgage if you sell. It's tied to the house you currently own, and will have to be cleared down for you to complete the sale. I also assume it won't be possible to draw down more cash on the existing mortgage for work on a building other than the one...
  17. M

    Own apt with friend - think she wants to sell

    To find out if you are in negative equity you can do a number of things. The first two are handy enough options to get you in the right area. (1) Check out this [broken link removed] (2) Check the property websites like daft and myhome for similiar propeties in the area and make a judgement...
  18. M

    TRS finished Today

    No you are not missing something. I'm afraid that is a well documented fact on these boards.
  19. M

    Integrated Units- does this include appliances?

    My question would be if "integrated units" does not include the appliances then what are they integrated with? The kitchen? The house? The space-time continum? integrate verb (integrated, integrating) 1 to fit (parts) together to form a whole.
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