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    dont know where to turn

    Your credit rating would nose dive if you reneged on unsecured debt.
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    "Lenders will have to reduce mortgages owed"

    Charlie Weston's article in Irish Independent - 17th September Take a look at www.irishindependent.ie. Weston states that if thist proposal actually was enacted that mortgage lenders would take as compensation of percentage of any future sale price for property.
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    Is renting a room in an Affordable Housing apartment allowed by SDCC?

    While I'm waiting for SDCC to process my query about this through their correspondence backlog, I'd be grateful for any info on whether or not the Affordable Housing rules allow a room in an apt to be rented. My understanding was that it was not allowed, but I want to be sure. Thank you for...
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    South Dublin County Council - Rental Accomodation Scheme

    Has anyone had any experience with the Rental Accomodation Scheme, or heard anything gnerally positive or negative about the Scheme? I have reviewd the online info about the Scheme at : [broken link removed] I'd appreciate any info / opinions. David Murray
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    pay more on mortgage OR save OR what?

    Since you are on a variable rate, I would consider moving to a fixed rate (at least get provisional information from your mortgage provider about what fixed rates they would provide you). Interest rates may start to rise within the next six months/year. Certainly banks themselves can raise...
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    Capitalism . . . Is it a failure, or is this just a blip!

    This is the core of the problem. Greater risks taken and new high-risk investment products and strategies developed to keep profits artificially inflated. Sooner or later these products and strategies trigger a cascade that leads from sensible growth/management to systematic boom/bust...
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    CNBC - Ireland: the worlds biggest Debtor Nation

    Changing the political party serving as our Government won't change the senior civil servants advising them or most of the existing administrative personnel. If you assume that Fianna Fail ministers are entirely to blame for ignoring the quality of advice given to them then a change in...
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    Snag lists and Structural Surveys

    HomeBond usually only covers the first 10 years. After that the owner is on his/her/their own.
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    Antisocial behaviour- rights??

    Having been in a similar situation since buying an Affordable Housing Initiative apartment in Deansrath Clondaklin in October 2006, I sympathise deeply with what you are going through. I would support the idea of approaching Garda Superintendent. You could try Free Legal Aid clinic in you area...
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    Experiences with Social Housing in developments

    I'd have to agree with the point that it's not a person's financial means that create problems - it's their character. My wife and I live on a new estate and the biggest problem is young, inexperienced renting tenents and owners who just don't care about other residents (i.e. observing house...
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    Propertry Path - Turn up or else.

    With Affordable Housing I can't stress enough the need to get a professional to do the snag list (our AH apt is built to a lower standard than equivalent properties - e.g. walls behind skirting boards weren't finished properly) and call to local Garda and get a report on crime levels in the area...
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    Notional Service Purchase

    Contact your Human Resource/Personnel Section.
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    Does the Pension Levy apply to T.D.s Salaries

    Everything I've read indicates that T.D.'s and Ministers pay the Pension Levy. Was there anything specific that made you believe otherwise?
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    Pension Levy Calculation....Mistake??

    You should request a breakdown of levy charges from your Salaries Section.
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    AVC V saving scheme

    Brookner, I'd advise you to contact your union and advise them. These are ridiculously high charges and your union, who obviously contracted Cornmarket need to be held to account. Union should be able to direct you to another broker, i.e. Marsh. Which area of public service are you in...
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    Credit union savings, life assurance and funeral paid for.

    Yes, check with Credit Union. My understanding was that the 'rule of thumb' is that an amount equal to the members shares (up to strick maximum of Euro 12,700 and subject to the age sliding scale in a previous post)is paid upon death of a member. Not sure about a funeral grant - this may be...
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    Should I buy years or contribute to an AVC/PRSA?

    I'm a civil servant and am contributing to both an AVC and NSP. The AVC is primarily intended to benefit my wife. Marsh have an excellent booklet outlining the differences between AVC & NSP and the relative advantages of both schemes.
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    Banking Crisis

    I thought Brian Cowan had introduced legislation to suspend short selling of stocks in late - 2008?
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    Electricity Prices

    Am in process of switching to Airtricity. Have not heard of any problems particular to Airtricity. Will advise.
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