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I thought bedsits were banned in Ireland.

If I transfer electronically to the US for other accounts it's not a question. I would transfer from revolut if the recipient would allow it (I know they don't allow transfer companies for anti money laundering and tax) And I can't transfer electronically from ptsb to the US as their system is...

They know where the money comes from (my salary). What money laundering is possible from that?

Eh. I think I hit the report button instead of Reply. Whoops. Wise would save me money but the broker will only take payments from bank accounts (same kind of requirements as Degiro, you nominate your bank account and can only transfer from there. I presume it was some kind of anti money...

Not a major issue but I was wondering about this. Occasionally I transfer money from my PTSB current account to a brokerage account in the US. I have to visit the bank to do this as it requires filling forms for their antiquated system. Typically it's about $5000 The last few times I did the...

As an update. I engaged the estate agent and a mortgage broker. In reality. If I sold my house for €450K and added €100K savings and tried to buy the new house for €600K I'd only have a gap of €50K to fill. (I know I'm making assumptions about both house prices there). My finances are not tidy...

I just saw a house that has gone on sale nearby which would be a step up from where I'm living now. I wasn't considering moving ever but this house that has just gone on sale has many modifications that we were thinking of getting done on our place and would be a reasonable upgrade. My...

I'm not in my 70s (not as far off it as I'd like) but I've been renting a couple of rooms for a few years now. We set the expectations (as to cleanliness and noise amongst others) when they're viewing rooms initially and we've never had somebody we'd need to give "reasonable notice" to. My...

Can they? Are there many rooms going for > €1000 a month. The going rate where I am, in Dublin, is about €600pm. That'd be for one person. I suppose it'd be more if you rented to a couple. I wouldn't fancy that though. Plus you're not just renting the room. You're sharing the house. There is...

Well they could increase the allowance rather than ignore people evading tax. Or maybe they're ignoring the issue as increasing the allowance would probably have major resistance.

I thought that too. But it's not. I was helping our lodger claim it back as she didn't have a clue. In the bit where you type in the amount of rent you're claiming credit for you don't put in the whole rent for the year. You put in €2500, as the max you can claim is 20% of $2500. When she put in...

Nobodys mentioned Curve so I thought I'd add it. It's a card that you register your credit cards into. Then you use the Curve card and it does the currency conversion and sends the transaction to your existing credit / debit cards (whichever one you've set up in the app). It allows €200 of...

Shall we discuss royalties :p

Payment. (https://www.ablebits.com/office-addins-blog/excel-pmt-function-formula-examples/) e.g. =pmt(rate per month,total number of payments,principal,0) So for a 600K mortgage with a rate of 3.7% over 20 years the formula would be =pmt(3.7/12,20*12,600000) or €3541 per month. So once you...

On top of that the pmt function in excel is great for playing around with to see if what difference different rates or extra repayments make. It's a little bit advanced but if you know excel it's easy. I've seen plenty of people who can't do maths complain that banks load the interest onto the...

Might have been broker related. I don't know. Our situation and money history is simple. Every doc they asked for was provided within a day. Ah well don't need to look into it again for another 4 years.

I tried to switch last year (to Avant). Not for cashback, for the cheaper rate. I was 14 years into a 30 year mortgage. Never missed a payment and earning much more now. I got asked repeatedly for new docs not mentioned at the start and then for new payslips as they took so long. I gave up after...

I used to have Virgin. They increase the price every year. I used to ring them, threaten to cancel and get a few quid off. I moved to Vodafone Siro a few years ago. They've kept the price consistent since I got them. Now (on my phone on wifi) speedtest is showing 356mb down. I've 1Gb but the max...

My father just passed away leaving his property to myself and my sister. My sister has lived in the house for the last few years. We haven't thought much about what to do with the property yet but I was wondering if my sister has any extra rights as she's currently living there. I'd be happy...

I'm 100% sure it wasn't on my Manage My Mortgage section. I was well familiar with it. During the time I was with them I had to ring them, get a letter with the list of rates and sign and return it back. I did it a couple of times over the term. No big deal and was simple enough. Changing the...