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Where do you obtain the applicable market value for a property that was transferred between family members over 23 years ago? A property was transferred in a will in 1999 and is now for sale so how do you go about getting the accurate market value for that property in 1999 so you have a figure...

Did you do the multiple switch? Can you recommend a cork Solicitor for the same please?

The valuation was done by an AIB valuer at our request, but the problem was we got bogged down with Christmas, covid etc and let it slip and didnt do anything about applying to AIB to change the rate .. I will get onto it now straight away, thanks Paul I really appreciate your advice.

Thanks Paul, Im tempted to just stick with AIB and move to their 5yr green rate at 2.15% for ease of not having to go through solicitors, salary cert, bank statements etc I do have a valid B3 Ber cert until July 2023. The remaining mortgage balance is just under 290k and the house was valued...

Current lender AIB Outstanding mortgage balance approx €290K, with 22 years mortgage term left Approximate value of your property €550K Your current mortgage interest rate 3.15% variable Your current monthly repayment (excluding any overpayments) €1541 Your property's BER (Building Energy...

Hi, my parents aged 70 & 74 are on the Laya flex 175 explore healthcare plan. It's due for renewal on 01 Feb 2020. They are Cork based. I am trying to figure out what would be the best plan for them. They don't need gp cover as they have a gp/ medical card but consultant cover would be needed...

Thanks very much snowyb, I really appreciate your advice. My husband thinks he can get 10% discount with Laya so I might try them for us and go with vhi for the kids.

I recently left my job and am a stay at home mom to kids. I have always had our health insurance through the work corporate plan so I haven't had to think too much when it came to renewal every year. The work corporate plan has always been very good however I don't know what to do now at renewal...

Thanks EmmDee Can anyone else comment? I would appreciate the advice.

My employer offered me a mutual separation agreement ( not redundancy). They offered an ex gratia tax free lump sum of 80k and an additional tax free contribution to my pension of 12.5k. At first they said i could take the 12.5k in cash tax free instead of adding it to my pension thus my total...

My employer offered me a mutual separation agreement ( not redundancy). They offered an ex gratia tax free lump sum of 80k and an additional tax free contribution to my pension of 12.5k. At first they said i could take the 12.5k in cash tax free instead of adding it to my pension thus my total...

Thanks JD, I decided to only include 1 personal exemption in my CGT calculation in the end as it didn'. Make a whole pile of difference and thought that it' better to be slightly over than under! The cheque is winging its way to limerick now by express post. Hopefully I've done the...

When a married couple are calculating the CGT due on a nppr house sale... (Q1)do they take into account the €1270 personal exemption of both husband and wife....so €2540? They are normally taxed separately as PAYE workers...not sure if that makes a difference or not. They do not normally make...

We had our kitchen painted by a company a few years ago for €700 and they did a fantastic job....prices have increased though in the past few years as popularity for painted kitchens has grown. Alot of people would rather get their kitchen doors painted as they like the style of the ones they...

The average non financial based person out there today with a mortgage lives "month to month" and that's why its important at least initially anyway, for it to be easy to see/calculate how much a person will save on their mortgage repayments per month if they switch to a lower rate. The reason...

Hi Joe_90 , The cottage hasn't been lived in by my parents as their ppr though since the early 80's . After that my grandparents moved their until they passed away late 90's. Since then it's been mainly an unoccupied cottage except for the past 5years my brother has lived there and will be...

Thanks Brendan. It would be the least hassle way for sure if they just sold it themselves and then do what the want with the proceeds.

My parents need advise on how best from a tax perspective to all parties, to transfer an old cottage on 1acre, that they own to their 4 daughters as their inheritance. My parents are pensioners (68 & 70). They live in their farmhouse and have already transferred the farmland to their son who...

House (A) , Mortgage type Home Loan - Tracker >80% <500K ECB+1.10%; Myself and my husband bought our first home Mid 2002 (bought @190K with a 173K mortgage. Currently ptsb tracker of 1.1%, 106k over 15yr term left to pay, current monthly repayment €640. Value 280k) We looked to trade up end...

A good alternative when you aren't lighting the stove but still want to create a nice cosy focal point is to place a candle lighting in your stove. We do this a lot on nights where its too warm for a fire and it does the trick.