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    Buying a home - structural survey - is it necessary?

    I bought a 20yr old house last February and we paid €350 to get a survey done. I can honestly say that it was the biggest waste of money ever! Basically, the survey would commit to nothing, they said the walls appear to be solid and have no cracks, but you'd need to get a builder to confirm...
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    2 Mortgage protection policies on 1 property

    Hi, 1. I don't think it's illegal to have more than one policy on a property, it's a policy on your life, not on your house 2. I don't think there's any drawbacks to having two policies, apart from paying extra premiums of course. If you keep all the policies, and then go for another life...
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    Large cash deposit

    Hi, even if you haven't reached your gift tax threshold, you will still be asked for proof of where the money came from for money laundering purposes.
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    Newly Engaged - House or Wedding first?

    I would strongly suggest getting married before buying a house. I did it the other way around and two years later, there's not a hope of us getting married anytime soon. Even though we bought a house that needed no work, we have still spent a small fortune on it so there's no money left for the...
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    how is rent viewed by banks when applying for a mortgage? ability to repay mortgage?

    I think it's because if you weren't paying rent, the amount would be going into savings towards your deposit / mortgage. Sorry, I just remember being told this when I was taking out my mortgage
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    Is a teacher actually qualified & registered to teach mathematics?

    I actually went through a very similar situation when I was in school with a teacher that was teaching me both maths and irish. To say she was terrible was putting it mildly. In the end, we found out that she was a qualified maths teacher but was teaching irish as well as she grew up in an irish...
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    Getting pressurised to send child to National School

    That's terrible, it's disgraceful that the school would resort to such bullying tactics. I would go to the department of education or else the teachers union to file a complaint.
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    how is rent viewed by banks when applying for a mortgage? ability to repay mortgage?

    It's viewed as savings (or so I was told when I took out my mortgage 6 months ago)
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    Pension gone bust what to do

    You can complain about the trustees to the pensions ombudsman for mal-administration which is what this sounds like. Good luck
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    Changing jobs and mortgage

    Hi, I think that you could face problems getting your mortgage if you change jobs. A friend of mine was head hunted a while ago and was in the process of getting a mortgage which was refused after she moved jobs, even though her new company confirmed that they had head hunted her and her job was...
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    car loan difficulty

    It is not acceptable for the bank to be harrassing you if you are making every effort to pay back your loan. I would make a formal complaint to the bank and if they do not give a satisfactory response, I would refer my complaint to the Financial Ombudsman. If you are making payments every month...
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    Who wants to be a tenant?

    I had my share of bad landlords over the years but was blessed to find a fantastic flat with a wonderful landlord a few years ago. The flat is immaculate, if I ever have a problem (which rarely happens), the landlord is straight round. He'd never dream of coming otherwise and always rings at...
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    firing an Employee

    You're in a very tough situation but if I were you, I'd give him one more chance and if he's late one more time after he comes back or you have any other problems with him, then I'd let him go. In terms of what to say, the only advice I can give you is to remember it's not personal, keep...
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    Stamp duty - FTB buying with a property owner

    Hi My friend had the same dilemma last year and the answer was no, you cannot take out a joint mortgage and only put the property in your name to avoid stamp duty. Apparently the Revenue are really cracking down on people who did this in the past
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    Life Level or Convertible life policy?

    Hi Misspolly First of all, a convertible term policy is the same as a level policy, it's just that at the end of the policy term, you can extend it (for the same level of cover) for a further term without submitting medical details. What do you need the cover for? If it's just for a...
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    I think Bank Lost My House Deeds- Now What?

    Hi You can make a formal complaint to the Financial Services Ombudsman's Bureau. There was a similar case in their 2009 report where the bank lost the deeds and the Ombudman cleared it up. Firstly, you have to request a 'final response' letter from the bank who have 25 days to issue this. Go...
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    % deposit when buying house

    We paid 5% last February and the EA receipt stated that the deposit was fully refundable (as our solicitor had warned us to ensure it would). When the sale fell through, the deposit was returned to us immediately.
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    Between Florence and Amalfi

    I would highly recommend Sorrento. I was there a few weeks ago and it's amazing. There's a great 'delux hostel' on hostelworld called Ulisse Deluxe which is more like a 4 star hotel than hostel, I'd highly recommend it and it's very reasonable in comparison to some places I've stayed in Italy...
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