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    Key Post Some wealthy people are worrying unnecessarily about their finances.

    Well said Brendan. Couldn't agree more. It becomes a bit like instagram- comparing yourself to others and creating unnecessary and unhelpful anxiety because you're not as successful financially and think you have to be to be comfortable.
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    House purchase - getting snagged up on Land Registry issue

    I had this issue on my previous house. It was a house in a terrace built in 1927 by the parish. It had a back drive/ entrance (no proper road just over back gardens) and behind the 6 terraced houses. This (sliver of land) was still owned by the bishop and other trustees from 1927, despite the...
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    Mains to attic using a down pipe

    Had the same problem - probably the same time last year. I asked a lot of people (builders included) and tried to look up as much as I could. I refused to give them permission to go through the attic as did my neighbours for many reasons - including the pipes freezing and the look at the front...
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    Is SportsDirect still open in Ireland?

    In Kilkenny now. Heatons in Kilkenny are closing at the same time and when I bought something in Sports Direct on Sunday I got a Heatons receipt!!
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    retrospective planning permission

    I bought a house 12 years ago - it had been extended over 30 years before without planning permission, building regs and because of the length of time there was no problems with the purchase or getting the mortgage. I recently had it valued and was advised by the auctioneer that these extentions...
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    Reduced Mortgage Amount v Reduced Term

    Why do either. Can you not continue to overpay and the real effect is the term is being reduced but leave the mortgage contract as it stands. If the worst happens and you are in difficulties then you still have the full original term to respread the mortgage over and reduce payments then but if...
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    What changes would you like to see in the Ombudsman's service?

    I would suggest that all complaints/results are published and that these set a precedence that can be used by others bringing similar cases. It will mean the financial institutons will have a good idea how a situation is going to be viewed and it can be used in negotiations with the financial...
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    DRO in UK and moving back to Ireland

    Hi marfsmal. Read your post with interest on your experience with Mabs and quite frankly felt sorry for 'the idiot' you had to deal with. You obviously are under a lot of stress and extremely angry from you first paragraph of your last posting. i feel possibly your anger and aggression against...
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    Key Post Being in arrears is not always as bad as it appears

    I'm sorry i must be a bit thick but i though from the reading Mary was on an interest only mortgage also. The numbers still do not make sense to me however because although by making short payment Mary is not paying in accordance with her agreement and on paper is €10000 in arrears (with the...
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    Key Post Being in arrears is not always as bad as it appears

    Afraid your post does not make sense to me. Why is John not in arrears if he has the same type of mortgage as Mary. Unless he took out an interest only mortgage at the start for the full term then with interest only payments arrears are accruing. the arrears are the capital portion he has not...
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    Annual Cost of living assuming no mortgage.

    Clothes/shoes House Maintenance/ replacement white goods Gifts/brithdays/family occassions Hobbies/membership Educational/
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    Living with Parents / Documentary

    What i'd really love to see is a follow up to 'i'm an adult get me out of here' remember the series where people who were encouraged to strech financially and buy property miles from where they worked. Would be interested to see how that worked out.
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    shoppingfromhome.ie

    Without meaning to go off topic i for one am extremely annoyed at turning on the TV in the morning and seeing a shopping channel on RTE 1. Its akin to just watching a load of advertisments and certainly not what i want to be paying my licence fee for. I don't think its doing anything for some...
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    Unemployment better than working

    Your calculations are wrong because you are taking the rent supplement of €550 as a weekly amount rather than as a monthly.
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    cost of reducing term of mortgage getting higher?

    Go to a mortgage calculator that has what's called an amortization table. I use bankrate's one. Its an american one but if you put in the details of your mortgage it will still give fairly accurate figures. If you click on the amortization table it will show you how your mortgage payment is...
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    itsyourmoney.ie comparison tools

    Been there years - as have the insurance comparisons/ credit card/ loan comparisons
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    Community Welfare Officer- Payment Refusal

    Firstly make sure you get the refusal in writting. You need to know exactly on what grounds they are refusing. Is it just on rent allowance or is it also on the temporary SWA payment? It essential you appeal and prepare the appeal really well. Google co-habitation - you may find more information...
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    Welfarite - an appreciation

    Sad to hear news. RIP
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    Car finance

    don't forget car finance is a HP agreement and as a result a very different result from a loan if things go wrong. Check out www.itsyourmoney.ie for loan comparisons and to understand HP agreements
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