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  1. M

    Solar panels - are they worth it for house with one person living in it

    Hello, That quote for Solar Panels and kit, looks far too expensive. IMHO, it's out by €2k or more! If you are on Facebook, join a group called "Irish Solar Owners Group" - like Askaboutmoney.com, it's a free resource, with people helping each other, by sharing info etc. It's a great place to...
  2. M

    Community Loan Alternatives

    In honesty, I don't see you getting a notably better deal. I'd ask them to reduce the rate, based on the good repayment performance, to date. If they do reduce the rate, then great, if they don't, then you may be better off living with it and being content - not least, because you may need them...
  3. M

    Community Loan Alternatives

    Hello, Have you asked them for a reduction in the loan rate? Did you provide security for the loan, and if so, what was it, and what value does it hold? In truth, it's not far off what I'd expect to see for that type of loan, albeit there's usually a bit of room to renegotiate, when the...
  4. M

    Return to office - but I want to remain fully remote

    Hello, I'd explain, via email, how your role differs now, to what it was like "Pre-Covid", and why this new role needs silence / solitude. I'd also explain what you've tried to do, to make the office environment work for you, and what's needed, if it is to work, given current...
  5. M

    Should we pay more tax to have a better society?

    I'd have zero confidence in our officials to invest / spend the increased revenue appropriately, due to a combination of skulduggery and stupidity. Sadly, that means I'd be against the concept, even though I do look on at Scandinavian countries regularly, and dream of what might have been, here...
  6. M

    TV licence non renewal or jail?

    But we are not compelled to pay for the "pleasure" of watching privately owned biased current affairs...
  7. M

    Builders and Insulation?

    That doesn't surprise me - the worst time to be looking to employ a tradesman. Better off waiting until there's recession, when you can...
  8. M

    Pint of Guinness index

    So I've found increases of 12 cents in February 2023, and a further 4 cents in August 2023 (both ex vat), referenced in a number of news articles online, but I'm not finding the December 2022 price rise that you mentioned. Could you please give some details? Interestingly, while looking for the...
  9. M

    Pint of Guinness index

    I wonder how they got the average price of a pint, quoted at €5.62? They must have surveyed quite a few rural pubs, given a lot of Dublin pubs seem to be charging over €6 a pint (and some, a lot more!)
  10. M

    Pint of Guinness index

    I think that was a certain Dutch company, who added 50 cents to the price of all of their products, a couple of months before Christmas 2023. Probably to help them cover the cost of their failed stout As I recall, Guinness did increase their prices, but nothing like to the same extent.
  11. M

    Pint of Guinness index

    Sadly, a good point!
  12. M

    Simon Open Door 2024

    Nice idea, I'd never heard of it before. It's actually an initiative that other professionals might consider, in conjuction with other charities, too.
  13. M

    House Rich, Cash Poor, Low Income Retirement Plan Advice

    Hello, While I appreciate that it's a family member, you really need to get that rental income up. €500pm is extremely generous, and while I'm sure it's well intend, unfortunitely you can't afford to be that generous. Knowing the price of Irish property, I'm assuming that you've a modest...
  14. M

    Estate agent fees in Dublin

    I'd imagine that there'll be very little effort needed - given demand for property and the price point. I'd be trying for 1%, on the basis that you really just want it up on the websites and someone to show it, a couple of times. I haven't used them, but you might like to check out...
  15. M

    Use DB Pension to Pay Off Mortgage?

    I think that's a mistake, tbh. It's nothing to do with enjoying their company, it's to do with them contributing towards the costs that they are generating. Do three realise that their parents are worried about money, while they live for free, and get to use their earnings for other...
  16. M

    Use DB Pension to Pay Off Mortgage?

    Hello, Are the two adult children, who are working, living with you? If so, are they contrubuting to the household bills, and assuming they are, how much does each individual contribute? While there are no guarantees, it is looking like the ECB will begin to reduce interest rates, in the...
  17. M

    Buying new place before selling current home - is this wise?

    Hello, You'd need to be very strict on yourselves, with regards to how long you'll take moving houses, preparing your current house for sale, and then selling it. There's a lot of potential to take a "relaxed" approach, and that'll cost you a lot of money. Also, are you sure you really need to...
  18. M

    Sky v Satellite TV once off payment

    Yes, cancel the service completely! I was a long time Sky subscriber and I was also paying them a fortune for many years, but got rid of them a few years ago, replaced with Saorview & Free to Air Satellite channels, plus optional subscriptions to the likes of Netflix, Amazon etc. and have never...
  19. M

    Estate Agent rushing buyer to arrange building survey

    Hello, How long has it been since you went sale agreed ? There's no logic to setting what appears to be a tight deadline for an engineer's report, unless it's been dragging on for a while, or the vendor has something they are trying to hide. Assuming this hasn't been dragging on, I'd...
  20. M

    Central Bank consultation on updating the Consumer Protection Code

    I agree, the CBI should not be the "champion" here
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