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I have a great agent who has found multiple tenants for me, acts as a first port of call for any of their issues, does an annual property inspection and deals with rent increases, and will sort out trustworthy tradesmen when anything goes wrong. I just pay him a one-off for each new tenant and...

Just as a matter of interest, how much is outstanding and what was the debt incurred on? Did they give you much notice? I was given a rebate in error which I then used to pay off debt and they have come back looking for it. I have told them it is their fault but they don't see it as such...

In Kyoto, the visitor's map has a swastika for each Buddhist temple or monument. I think it is great to see the symbol used with its original intention. Use it as a symbol of peace, love, strength and take it back off the murderers.

Yes.

[broken link removed] Kilkeel.

The thing is, there are other marchers from the nationalist side who wear green sashes and play music that sounds identical. These often walk in areas which are majority protestant but don't get the same level of protest. If it is legal to march on the public road in the first place then I...

What does that mean in reality? They can establish that you owe them the money but they do not have preference over the home. So if they take you to court, the court looks at your assets and then apportions them amongst your creditors, your home being the most valuable I presume. If you had...

Part of the issue has been that we have had a poor system of regulating the rental market. Short leases, get out clauses for landlords, higher than inflation price rises, little incentive to modernise. This often drove people to buy for stability, rather than to avoid "dead money". If we were...

If it is a stretch to pay the mortgage once you are back in the US, the big concern will be exchange rate fluctuations. There are so many factors which influence this that you will have no ability to influence. At present, €100 will cost you $135. This time last year it would have cost you...

As IOM is not part of the EU, are Irish banks able to chase a debt off someone who is ordinarily resident there? Would it give another string to your bow to pay the debt back on your terms, safe in the knowledge that if EBS don't like it, they can't take legal action, similarly to if you are...

What about the statute of limitations kicking in? Could you not just base yourself, and all your assets, out there for six years?

Can the entirety of a mortgage be seen as secured debt when there is negative equity? Something I hadn't considered before but if your property is worth €100k less than what is owed on it and you hold no other assets, surely the whole loan cannot be deemed to be secured. Not sure what the...

It seems quite self-defeating to me. Sending someone to prison has the immediate effect of preventing them from working while in prison and the long term effect of making someone massively less employable due to having had a custodial sentence. Whatever little chance the bank has of recovering...

Make sure all interactions are done by letter. Do not discuss anything on the telephone.

Once an individual becomes involved in criminality, where is the incentive to stop? There are people who, 8 years ago, being financially insolvent, having a poor credit rating, missing loan payments would have been something that they thought they could never bring upon themselves but now it...

I believe that the Danish can claim tax back for having a car to drive to work. There is an allowance per kilometer derived from the distance between your home and your work. Even still, a bog standard Astra costing €21k in Ireland costs €28k in Denmark, €17k in France and €15k in Germany and...

Once the museum is up and running, come back and let us know. I would be very interested to go and see it.

A museum will bring all kind of issues. He will have to get liability insurance. He'll have to get tickets and promotional material printed as well as the certificates to certify the authenticity of the soil being sold. He'll have to pay VAT on tickets and sales from the proposed gift shop...

But the smokers have paid for healthcare through direct and indirect taxation. Once we go down the road of excluding certain groups then we won't know where to draw the line. Leave someone at the side of the road after a car accident because he was speeding? Refuse to treat the amateur DIYer...

Agreed. If it was possible to have debts written off because you are doing a degree and intend to do a post-grad, yet still get 1,900 SW per month, we would all be down at the university tomorrow and continue in study until we were doctors.