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Thanks for replies. Yep I'm pretty sure you are right Brendan on the 1.68%, it rings a bell. Thanks for setting out the calcs. They are interesting as I had thought there would be a fair leaning to keeping. -Re CGT - I had considered that, I am just not sure if the apt will get ever get back to...

Personal details Age: 43 Spouse’s/Partner's age: 44 Number and age of children: 2 (11 and 12) Income and expenditure Annual gross income from employment or profession: 90k Annual gross income of spouse: 35k (works part time) Monthly take-home pay: Approx 6.7k together Type of employment...

I rang Liberty to cancel my policy just now. The lady asked me what Zurich were offering and if she could give me a quote. I said sure, and I told her the quote. She said the best they could do was +100 euro on the renewal quote which I had already received from Liberty. Incredulous. I dont have...

I rang Liberty to cancel my policy just now. The lady asked me what Zurich were offering and if she could give me a quote. I said sure, and I told her the quote. She said the best they could do was +100 euro on the renewal quote which I had already received from Liberty. Incredulous. I dont have...

I used Chill this morning for the first time. Found them fairly easy to deal with. Got a good quote with Zurich (switch from Liberty). Funnily last year was the opposite (went to Liberty from Zurich). I used 123.ie last year, experience was also good. I have rang insurance companies directly...

Its hard to understand whats going on in the insurance market. Just this morning I got 30% off my premium by switching using one of the aggregate websites. I doubt its worth the energy of a complaint. Just go get the best quote you can now.

Similar situation, never meant to become a landlord. Bought in 2005 a two bed apt for almost 300k. Lived in it for 5 years then had to rent it out as I needed to move but the apt was prob only worth 120k at one point, so selling it would have left me broke. When I rented it out I had terrible...

The government should have brought in a measure to discontinue the accrual of pre 2013 (year of Single Scheme introduction) inflated public service pensions for public servants and move them to the single scheme for the rest of their careers. They could have let them keep their benefits to date...

Thanks, but I don't want the log book for an NCT. I want it because its being sold to someone and I want to transfer ownership.

Hi Could anyone help me please. I've searched online but am not 100% clear on what to do. Perhaps some contributors here might. Our cars logbook is registered to an old address that we lived in 8 years ago. Stupidly we have lost the log book and only recently realised. I do not have access...

That was my point, having been there before - its tough on a human level. It doesn't take away from the banks response, particularly in an environment where once the mortgage is taken down that there is not a whole lot of room for comeback from that bank. We all have heard stories of people...

It's not particularly difficult in this country because there seem to be very little repercussions.

They seem reasonable but obviously it will kill hope for a lot of people and affect many people who could ordinarily sustain a mortgage. That's difficult for people to go through.

Thanks all. As I mentioned, I know I would take a loss from it (as opposed to selling the car myself) but the convenience might suit me. Was in touch with the dealer and he said we can talk about it so I'm taking it that there is a deal there to be done.

Has anyone tried to trade in a car to a dealer for a lower or very similar value car and if so can you share your experience? I have a car, probably worth around 6,500 as a private sale, and I have seen one at around 6,000 with a dealer that I am interested in. The dealer says they take trade...

True!! For my 20 years private pension, I was able to purchase about 8 years in the Single Scheme. I felt it wiser to hold onto my private pension due to better flexibility, diversification and access to the markets.

There is a calculator on the single scheme website. I looked into it for myself but the amount I was getting for 20 years of a private sector pension was not worth it. Its a very modest scheme overall, a huge difference between this one and the legacy schemes. How the unions agreed to it is...

We have joint current and savings accounts and both our salaries go in full to those. We dont operate seperate accounts anymore. We found this less hassle and we actually save more and we are both very happy with the arrangement. Me, more a saver her more a spender. I earn 30/40% more but at the...

A guy at work recently lost 30k through a botched electronic transfer to his solicitor and he is not getting it back. It happens. Cheque is eminently more sensible.

Thanks all I challenged the solicitor on this and he has agreed to an approximate 20% deduction in the fees and he will include drawing of wills. When I asked what was the basis they came up with to charge people he said it’s on a case by case basis! I’m glad I challenged it and got something...