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    Is 40 too late to return to full time education ?

    Your friend should put together her CV and talk to recruitment consultants that specialise in the area she works. They would have a better insight as to the importance and value of qualifications to her future prospects. Looking at a degree, it is a 3/4 year commitment with most degrees being...
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    Case Study; mid thirties family guy

    I am not sure that the three rental properties have a surplus and even if they do now, it is not sustainable: - Rent In (600+350+0) =11,400 - Reduced Repayments (249+350+150) =8488 - Maintenance, management charges, property tax, income tax etc.~3,000 This is leaving you down €88 and assumes...
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    Resignation Letter

    Deisce, Check you months above, I am guessing that you intend to submit your resignation on 31 March rather than 31 April especially as there are only 30 days in April :-) My suggestion would be to arrange a meeting with your manager for Monday where you can tell them that you are resigning...
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    Is getting a discount for early repayment of a tracker morally wrong?

    BOSI may want you to hold their next AGM in your house but you are not going to do that. They can ask you to pay capital early but what happens if you say No? If both parties agree to change the initial contract then it is arenegotiation and new or amended contract. One party requesting a...
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    Bank Officials Spying On Your Social Media

    The 'less deserving' don't pay the bank and then post on social media about their new car or trip to Vegas. Banks doing this is in the interest of those who are genuinely honest and engaged with their lender.
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    Employee Personal Expenses

    Explained by revenue here. Have a look at the link to the appendix of civil service flat rates for allowances. It is interesting to note that even if the expenses are vouched, revenue expect them to be generally in line with civil service rates. With a daily rate of €13.71 for an eight hour...
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    Bluestone Agent (BOS/Halifax) came to my house twice

    Have a look at citizens advice for information on dealing with debt collection agencies. If you have been in regular contact and provided them with all the information, what did he say was the purpose of the visit? It would not be unusual for a debt collection company to visit a debtor to...
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    Wisdom of purchasing apartment where management company insolvent

    A management company that is insolvent is probably not properly taking care of day to day activities properly and has not even considered periodic maintenance. The value of your asset is likely to reduced as the surroundings deteriorate. Major remediation may require an exceptional fee to be...
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    whats the chances of getting mortgage???

    From a monthly outgoings perspective it stacks up for you as a mortgage of €108,000 would cost about €750 with life insurance on a 20 year term. You would also have to factor in costs such as property tax, insurance and maintenance that you do not currently pay. What you pay in rent now should...
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    Wood effect Lino for hall?

    I have not had a reason to buy from them yet but for the amusement value alone it has to be worth having a look at [broken link removed]
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    mortage wont cover house purchase - bridging loan

    Have you looked at the possibility of redeeming your fixed term investment early? Would the institution you have invested with be able to lend to you if it is secured against the investment? Even if it was a personal loan rather than a mortgage? Are you a member of a credit union and have you...
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    First time buyer mortgage questions

    The financial institution you applied to would retain a copy of your application but there is no central database of applications across institutions. On the application form you should look at the terms and conditions with regards to sharing that information. The credit bureau score in the...
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    "Offer applies to new customers only"

    Many existing customers will remain without any reward for their loyalty. The cost of rewarding them all outweighs the loss of a few switching. Competition will offer short term benefits that attract the customer for '10% off in the first year'. Most customers believe that they will take this...
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    Unable to pay Credit Union Loan

    If you had been paying the loan for 5 months it is more likely that the total outstanding is €700 of which €550 is arrears. If the credit union reports to the Irish Credit Bureau then it most likely has impacted your credit rating. You car request a credit report from ICB. The fact that...
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    Credit Union Loan against upcoming personal injury case

    It will be difficult if you are not able to demonstrate an ability to meet weekly/ monthly repayments. The credit union could not base the approval on a possible PIAB payment at a future unknown date. Will your solicitor wait for the PIAB settlement if you make them aware of your financial...
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    new limited company

    Do your research first as you will need to tell the company formation agent who are the directors, secretary, how many shares the company will have and how many you are issuing day 1. Also have a look at the CRO for the nace codes to help to define the activity of your business. I was recently...
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    Bord Gáis took December payment twice

    It ain't the system that cause the problem, it is the user. It was the same with Ulster Bank last year. When the computers rise up and take over they will hunt those people who blame 'systems failure'!
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    no space for wheelie bins, its driving me crazy!

    A belief that they cause blockages in the sewerage system, increase the processing complexity for waste water and require more clean water to be produced so that food waste can be washed down the sink. In a household the quantity going through the grinder would probably be small but in a...
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    Consultants should rebrand themselves

    Irish Water is probably not covered under the software licenses that Bord Gais have. It also probably requires more user/ server licenses. Irish Water is within the Bord Gais group but the group may not hold the licenses to their current systems, it may be another subsidary. Saying that the...
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    Management Company Director

    Presentation referred to by Lantus: [broken link removed] If only 5 of 100 members are in arrears, you are probably in a better position than the vast majority of schemes. It means that you can focus your endeavours of debt recovery. If there has not been very active engagement with these...
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