Z
zorro
Guest
Age: 30
Spouse’s/Partner's age: None
Annual gross income from employment or profession: Currently 72000 - next year maybe nothing
Annual gross income of spouse: n/a
Type of employment: self-employed
In general are you: saving
Rough estimate of value of home 0
Amount outstanding on your mortgage: 0
What interest rate are you paying? 0
Other borrowings – car loans/personal loans etc 0
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card? 0
Savings and investments:
20000 (approx) credit union
10500 given out on loans to family (mortgages)
9000 BOI Easy Saver account
car (approx 5000)
Do you have a pension scheme? 0
Do you own any investment or other property? no
Ages of children: none
Life insurance: none
Hi all,
Ok ive got a few questions.
I was saving up for a house but plans have changed signficantly this year.
My contract runs out at the end of this year and its not going to be renewed. Have been in touch with a few recruitment agencies and the feeling im getting is there is not much around so im jumping ship and leaving for a year.
Question 1.
OK so the 20k i have in the credit union i want to put somewhere while im away for the year. Its currently making no interest at all as far as i can see. Could someone recommend some where to put it (or do you think i should bring it with me and put it in a savings account abroad)
Question 2.
The 9000 i have in BOI im going to bring with me (rate went from 7% since i opened it to 3.2%) it hasent matured yet so if i take it all out now
would i get any interest at all?
Questions 3.
Ive got a Limited company here. What should i do with it while im away should i close it down altogether or should i write to revenue and say its not trading for 2010. If i come back after a year and look to get a mortgage ill need 3 years accounts - will the banks just refuse me because of what im about to do? As in when/if i come back will i have to wait 3 years before i can apply for a mortgage again?
Question 4.
Ive got health insurance here - can i take a break from it for a year or is it any use to me while abroad. Ive being paying into it for the last 3 years and never even seen a doctor but will i lose all the benifits if i cut it off for the year.
Question 5.
Accountant fees - ive been paying 2200 per year for my accounts - Its too late now but for future reference was this too much to be paying?
I get no advice what so ever from this accountant - rarely replies to my emails plus missed two vat returns during the year (revenue didnt fine me or anything though).
12 invoices a year + vat returns - no employees.
Have been told it will cost 800 euro to shut down the company.
I may have more questions but this is what springs to mind
Many thanks
Spouse’s/Partner's age: None
Annual gross income from employment or profession: Currently 72000 - next year maybe nothing
Annual gross income of spouse: n/a
Type of employment: self-employed
In general are you: saving
Rough estimate of value of home 0
Amount outstanding on your mortgage: 0
What interest rate are you paying? 0
Other borrowings – car loans/personal loans etc 0
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card? 0
Savings and investments:
20000 (approx) credit union
10500 given out on loans to family (mortgages)
9000 BOI Easy Saver account
car (approx 5000)
Do you have a pension scheme? 0
Do you own any investment or other property? no
Ages of children: none
Life insurance: none
Hi all,
Ok ive got a few questions.
I was saving up for a house but plans have changed signficantly this year.
My contract runs out at the end of this year and its not going to be renewed. Have been in touch with a few recruitment agencies and the feeling im getting is there is not much around so im jumping ship and leaving for a year.
Question 1.
OK so the 20k i have in the credit union i want to put somewhere while im away for the year. Its currently making no interest at all as far as i can see. Could someone recommend some where to put it (or do you think i should bring it with me and put it in a savings account abroad)
Question 2.
The 9000 i have in BOI im going to bring with me (rate went from 7% since i opened it to 3.2%) it hasent matured yet so if i take it all out now
would i get any interest at all?
Questions 3.
Ive got a Limited company here. What should i do with it while im away should i close it down altogether or should i write to revenue and say its not trading for 2010. If i come back after a year and look to get a mortgage ill need 3 years accounts - will the banks just refuse me because of what im about to do? As in when/if i come back will i have to wait 3 years before i can apply for a mortgage again?
Question 4.
Ive got health insurance here - can i take a break from it for a year or is it any use to me while abroad. Ive being paying into it for the last 3 years and never even seen a doctor but will i lose all the benifits if i cut it off for the year.
Question 5.
Accountant fees - ive been paying 2200 per year for my accounts - Its too late now but for future reference was this too much to be paying?
I get no advice what so ever from this accountant - rarely replies to my emails plus missed two vat returns during the year (revenue didnt fine me or anything though).
12 invoices a year + vat returns - no employees.
Have been told it will cost 800 euro to shut down the company.
I may have more questions but this is what springs to mind
Many thanks