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    Allowable costs on windfall CGT

    You are allowed deduct buying, holding, and selling costs when calculating capital gains tax. If I receive a capital payment as a result of shares held in a mutual society, and a condition of receiving that payment is that I maintain a minimum balance of funds with the mutual society, could...
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    Moving out of Dublin - pros and cons?

    Cons: You won't see family and friends as much Pros: Everything else
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    1/2 Acre Site: Our engineer did not measure it but thinks its 1/3 of an acre.

    Re: Half Acre Site: Our engineer did not measure it but thinks its one third of an acre. When did you get your planning permission? It has to do with what type of land you border, too--if you have no residential land bordering yours, a modern septic system, and mains water, it all may help...
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    1/2 Acre Site: Our engineer did not measure it but thinks its 1/3 of an acre.

    Re: Half Acre Site: Our engineer did not measure it but thinks its one third of an acre. Unless the OP is on mains sewerage (unikely) then there are planning conditions that determine the minimum distance that a septic tank needs to be from the house and the boundaries. To satisfy these...
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    Moving from defined contribution (PRSA) to defined benefit

    If I leave my current job, and the associated PRSA scheme, and take a job with an employer offering a defined benefit scheme, do all the points raised here still apply? i.e. my only options with the PRSA is a buy-out bond, or wait until it matures? J.
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    Septic Tank on a 0.1 Acre Site...?

    On a 0.1-acre site, it's mains sewarage or nothing. The auctioneer can indicate if there is a right of way established for the septic tank on the other land--not uncommon. But your solicitor will have to confirm. J.
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    joint mortgage, single name on deeds, mortgage problem?

    Leaving the issue of the site aside, if you and your boyfriend get a joint mortgage for the construction that is in your name, he has gifted you half the value of that construction. As you are not married, the C.A.T. payable on such a gift by you would be more than the stamp duty you would save...
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    Car crash

    A much worse attitude is the "ah sure God bless the nice old ladies with their cute little dogs running around the inside of a moving car" attitude. Pure luck that this isn't a more serious discussion, at least it was just a parked car that was hit. The taxi fare was just an example, of a...
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    Car crash

    What's that got to do with anything? Would it be more acceptable if the driver was a boy racer? In fairness to dats_right, his misc. expenses suggestion might have been to cover any items in the car that were destroyed due to crash, taxi taken out to the car rental place, cost of getting car...
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    Lender valuations: who usually pays?

    The bank's valuer (for which you'll pay approx. €130) is an auctioneer. The bank will have a preferred list of valuers, but I wonder if you are entitled to engage your own valuer--after all, it's your money. If you approach the auctioneer who is selling you the property, he may supply a cheaper...
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    Mortgage Top Up? Advice greatly appreciated!

    To clarify: My point was not that fixing will save you money (it may or may not; who knows?), but that, as you feel you will be struggling to match your repayments once you come off the introductory rate, fixing will give you piece of mind for the length of the term. For example, a friend of...
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    Mortgage Top Up? Advice greatly appreciated!

    She is a salesperson, selling fixed rate mortgages. That her "advice" may be correct for your situation is beside the point--she would have said the same thing to anyone at any time. J.
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    stamp duty clawback question

    If you intend on living in the apartment, and sharing it with tenants under the rent a room scheme, there may be no clawback. Otherwise, if the apartment was new, then when calculating the clawback, you can discount 13.5% VAT, which may put you in a lower stamp duty bracket, and possibly...
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    magazine subscriptions delivered to ireland

    If it's U.S. magazines you're after, are good. If it's only one magazine, you probably won't save anything, but if you have a few subscriptions, or buy any U.S. dvds or books, you'll save money. J.
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    Book/Author Recommendations

    I'd say you'll enjoy Boris Akunin books. J.
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    Moscow

    Maybe in St. Petersburg, but not in Moscow. If you have time for a look around, it's worth hiring an English-speaking guide privately. They don't cost much, can skip you to the front of queues, and are much more flexible than the tour groups--if you're sick of Faberge and want to know more...
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    Article on payment protection insurance (PPI)

    All I could see was the bit about shopping around, but it doesn't make any recommendations. Does anyone know where could you shop around for this in Ireland? An insurance broker?
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    Free Current Account NIB-vs-PTSB

    I've used both and I prefer the interface of NIB's online banking set-up, but there's no real difference. I've found the branch staff to be better in PTSB, but that's only based on one branch of PTSB compared to one branch of NIB, and as you say, if you're online, hardly ever any reason to...
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    ftb 100% mortgage

    Just curious: Do banks generally work this calculation as: 40% of (net income - outgoings) or (40% of net income) - outgoings
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    PTSB Ice Card (Upgrading from old Visa)

    In addition to UB, Tesco, and NIB mentioned in Best Buys, you can also get 0% for transfers (but not purchases) with [broken link removed].
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