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Hi Flojo, Your situation is serious. Have you looked at what's coming down the tracks in terms of budget tax increases and welfare cuts? Your partner's jobseekers will only last for 12 months because you are working - check if this is the case? - hopefully not. Also is your mortgage costs...

Exactly what is needed, lets hurry up and get this over with, we might be getting to the end of the beginning. I heard a couple of ministers today saying all our deposits are 100% safe - tells you exactly what is happening and this is why the bailout is coming to a head so quickly

Keytrade are good to deal with - no big charges or anything like that. Website and interface clear and very easy to deal with/access. I never read these things, did the same when I was signing up for my subprime mortgage a few years ago!!

Get your money the hell out of here as fast as you can. Nobody will lend our banks any money. What do you think is going to happen as a result? They will go broke-broke, I say it that way cos they are broke a long time ago

Modern day Bloodless revolution I see the current political establisment as an impediment to resolving our countries problems as they have a vested interest in maintaining the status quo. So as a starting point we need a modern day bloodless revolution. Dont waste your time I say. Best thing...

Congratulations to the OP for accumulating and holding on to his savings during the Celtic Tiger years. Depends on your earnings of course, but a lot of credit due here. Maybe you could give Brian Lenihan a break while he is getting treatment.

Take a deep breath and hold your horses. No need to be rushing things. You have built up a head of steam to move out I can see from reading your post, so the best thing to do is move out and rent a place out the country or whever you wish to live. This will release you from the emotional...

How does running negative interest rates destroy the debt?

My advice: invest zero % into the pension. IMO 35 years locking money away is too big an opportunity cost for a 30 year old, stashing 5 and 10k away per annum for the day you are 65 when it will be more or less worthless. You have a life to live before this and you will need that money. Great...

The fact that you state you can both afford to buy your own house seperately (not the boast it was a few years ago!!!) indicates the level this couple are at - high earners with a prudent approach. I would have only one person's name on the first property because: The person with the free hand...

Pay €60,000 off the mortgage - at least that's banked then and nothing to worry about. Fool around with the other 15k (or even less if you are not comfortable) and buy some shares of one company - dont spread it around too much between different investments - you only live once. If you are...

I would definitely put it all on Cloudy Lane in the Grand National this Sunday - 40/1 odds.

3 years fix is plenty. That should give you enough time to build up a lump sum to pay the damned thing off quicker. It is also cheaper. You need to look ahead and see where you might be in 3/5 yrs - married, different job, kids etc. Fixing the mortgage means you lose flexibility if you want to...

These comments are bang on. If you want to go down the investment route you better get youself financially educated and well up to speed. Also a large dose of self-discipline and motitivation is required not to spend your savings. A big disadvantage against buying a house is location...