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  1. 1

    Key Post Explaining the Fair Deal Scheme

    So in #1, Deirdre's contribution of income 80% and savings 7.5% totals 39,500 giving shortfall of 20,500 towards 60,000 costs. Either Deirdre pays this through applying for Nursing home loan or from her savings ?
  2. 1

    Parks in Meath

    Trim has acres of park stretching from the Castle and alongside The Boyne with many Medieval ruins on route. Won't be surpassed in any other town. Take a trip to Trim and go walking starting at the Castle. Take a tour of the town also as it is looking beautiful just now.
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    Inertia ..and switching banks /others

    Tried to find thread for this ....switch if necessary. There is a kind of opinion out there that inertia reigns when it comes to finding deals ./switching These days we need to find the best deals annually for house, car, health, insurances. electricity, gas, oil landline, mobile ...
  4. 1

    Advice about finance after relationship split

    Hi this is a complicated situation on many levels ...your physical problem, the split up, the threats of gardai, the childrens' divided week, your retired parents. You need special advice and direction to sort this on emotional, personal and financial fronts. There is a group called Treoir who...
  5. 1

    "Coalition warns banks: reduce variable rates or face levy hikes"

    Threatening to impose a levy on Banks is futile as there is no co relation between it and reduction in SVRs. What is the Government going to do? Ringfence it and set up another quango to administer it to all SVR holders? Imagine how that would work ! And it would be the only FAIR way ...
  6. 1

    "Coalition warns banks: reduce variable rates or face levy hikes"

    Another reality check is that there are many tens of thousands unemployed. There are many thousands under paid. A significant majority have had their income cut and only in particular areas of employment have any pay increases been granted. There was devastation in this country , lest we...
  7. 1

    Lake GARDA or Lake MAGGIORE

    Only know Lake Garda. Beautiful. Access to all towns across the Lake.....boat trips. Very accessibility to Venice, Verona (Go to the Opera there even if not an opera buff ) It's an experience of a lifetime. There are connections to Florence but always busy Go, but with 5 yr old much...
  8. 1

    FF Private Member Motion on high mortgage rates

    Absolutely ...agree ...despite my cynicism. Thank you for your persistence on this. But I won't exhort you to "put your name fwd" in the next election ! More influential out here ! !
  9. 1

    FF Private Member Motion on high mortgage rates

    My cynicism is bothering me, big time. If Michael Noonan can bring influence to bear on this issue it will be for political gain. ...later this year we will hear ........we lifted 300,000 SVR from penal interest rates. As I said in another post it is an average of 2000 constituents per TD ...
  10. 1

    You can watch the Dáil debate live now

    I think if I were a backbench FG TD, I would at least show some of my SVR constituents that I have an interest in this motion. There is an average of 2000 SVR to each TD . That number and much less a figure has transported many a TD across the line. By being present, even from self interest...
  11. 1

    Economic Management Council to meet banks; Noonan to meet Honohan

    Having heard Liam Toomey on Prime time and Enda Kenny on S O'R this am, i would not be holding out hope of any pressure coming from Government on SVR rates .
  12. 1

    FF Private Member Motion on high mortgage rates

    Having listened to Liam Twomey on behalf of Government on Prime time this eve I detected no urgency on pushing for reduction in SVR . "We have been busy saving the banks and dealing with repossessions ......we will be bringing in measures....but Miriam stopped him from digressing. We will...
  13. 1

    IMHO: "The state should supplement the mortgage for those who can't pay"

    As of 2015 ....3 out of 3 still in negative equity , Dermot. No joy there. I'm sure the positive equity situation depends on geography even though this place is within 35 mls of the city. Equity +or - will not defray the extra to be paid by the mortgage payer. Unless incomes rise...
  14. 1

    IMHO: "The state should supplement the mortgage for those who can't pay"

    There are 10 members of my and my extended family members who were working at the height of the boom and are still working TG. All are on reduced wages/salaries since then. All are paying the same level or higher of mortgages/rents though. In order to maintain their payments, they live to work...
  15. 1

    Health Insurance "Cost of claims for older people 10 times that of claims for younger people

    Scene: GP refers to PUBLIC outpatient consultant who needs scan, x rays. These are acquired privately as can be done sooner, then back to public consultant who continues with necessary procedure. It may not be possible to do this with many/all conditions. If the initial consultation is with a...
  16. 1

    Health Insurance "Cost of claims for older people 10 times that of claims for younger people

    Sarenco, it is possible to have scans, x rays done privately (covered by insurance) having been recommended by public consultant in out patient and then continue with public outpatient treatment on foot of private diagnosis. The waiting period for said treatment would probably decide whether...
  17. 1

    Health Insurance "Cost of claims for older people 10 times that of claims for younger people

    Putting 1000e in a savings a/c for health purposes would yield 20,000e after 20 yrs. An inpatient stay with all the diagnoses, tests, consultants, pathology etc would scarcely leave sufficient for an eminent surgeon to even raise a scalpel.! If you are diagnosed with eg diabetes, 5 yrs is along...
  18. 1

    Health Insurance "Cost of claims for older people 10 times that of claims for younger people

    Brendan, The motivation in taking out health ins when young is for cover in case health problems occur. Of course it's bad value if you don't need to claim, but when a young family member becomes ill it certainly is great value. " If you have health problems when you are young, which you...
  19. 1

    Health Insurance "Cost of claims for older people 10 times that of claims for younger people

    A person pays Health ins for 40 years. One claim was made 25yrs ago, which was covered by their insurance. Since then premiums of lets say average 1000e pa have been paid ie 25000e. A 30yrs old with 2yrs cover has a serious health problem which is covered by his insurance but costs well in...
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