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Yes sorry that's confusing, the main issue is the gas bills

Hi there, my father built a 3 bed detached home in Dublin 16 and gas bills are 2 - 3 times the national average and he wants to get some advice on why this is happening. The house was built in 2007/8 with underfloor heating set in concrete downstairs and rads upstairs that are rarely used. We...

Many thanks for your replies and advice !

Thanks Sue. Any other advice appreciated also s the work environment has become very tenuous.

My wife recently left a full-time 20 hour per week role to take up a part-time 12 hour a week job in a small business as the reduced hours and proximity to our children's school were more compatible with our family life. After just 2 months she is being told that things have changed as the...

Thanks All, much appreciated !

Thanks for the comments Aristotle and Sarenco. If I say on variable and wait t out and rates rise I assume I will be looking at an increased rate if I decide to fix at that point ?

Thanks Sarenco. I suppose given how low the rates have been for some time I am wondering if a rise is likely soon ?

I am currently converting my mortgage from an interest only buy to let to a homeloan with EBS. They have given me options for variable and fixed (see below) but seem to be pushing me towards variable saying I can changed to fixed at any time. I am fiding it hard to make a decisin on the best...

Thanks for all the replies guys. Very helpful ..... Btw is the P21 balancing statement some revenue should send automatically .... not sure if I have these ? Can I request these for previous years of I do not have them ?

How long should I keep payslips ? Was just about to shred all payslips older than 24 months .... is there any reason to keep them beyond that ? I read somewhere that you may need them to prove pension contributions as they are not recorded on P60's etc. Thanks in advance for your guidance ...

Many thanks ...

thanks Sue ... do you or anyone else know what Revenue's obligations are ?

Thanks Steiner ... we have been trying to deal with for a long time (over 6 months) its not just this week :-)

We have been trying to make a personal medical expenses claim for our family with the revenue for 6 months now for 2012 ... Firstly, our ROS online system ran out of space so we can no longer submit docs etc manually .... and are forced to send in docs etc in hard copy ... When we ring...

Many thanks for all the responses ... will shop around and post back ...

Hi it seems that building and contents insurance is getting very expensive ... can anyone advise on the best value provider for rebuilding, contents and some specified items such as jewelry .... many thanks, B.

Thanks for the responses ... so yes I am in serious negative equity, the rent only pays 60% of the mortgage and the ongoing maintenance, lpt etc. all come out of my pocket.

A tenant is asking me about a rent to buy scheme ... he tells me that basically we agree a price (example - current market vale plus 20%) for me to sell the property to him at an agreed time in the future ... say 15 years. Advantages to me ; He will pay a higher rent, he will manage all...

thanks guys, yeah I am hoping