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  1. K

    Selling to county council

    Does or has anybody come to the end of a lease on the long term rental scheme. I have completed 2 cycles of RAS where I had to deal directly with the tenant regarding maintenance etc. Now I have my property leased directly to council under the long term scheme. I handed the keys into SDCC office...
  2. K

    Shopping around for an ARF

    !00% Freelance. We all have to research/ take advise in all the above areas and tailor to individual needs. When I completed what you outline very well. I found that to exercise my plan I simply could not do so doing a solo run or staying with existing provider without incurring extra charges...
  3. K

    Shopping around for an ARF

    Shop till ya drop. Nobody will do it for you. No major work involved. But fair amount of money involved over life of pension.
  4. K

    Shopping around for an ARF

    Sorry Kev but want to keep my numbers private. Just to explain company I was with employer for well over a decade. They had pension plan for employees with Irish life. Phoned them up told them where I wanted ARF invested. Gave me figures charges etc. Contacted broker gave me better figures than...
  5. K

    Shopping around for an ARF

    Always shop around. You will never get the best deal dealing with monies you already have with a company. I went with Bluewater who Contribute to AAM on regular basis. Steven or one of the other contributors to AAM will get you a better deal than going yourself. Tested this myself and provider...
  6. K

    Selling to county council

    On the ten year long term rental scheme with SDCC. Finishes up 18 months time. Have had no say in what tenants have been in place past 8 years. Will be selling next year. 1. My contract is with council and the fact that I have never known tenants do I give notice to the council and when? 2. I...
  7. K

    Builders and Insulation?

    If you trust the builder to do the extension it seems a little odd that you do not trust him to carry out a simpler job. Your genuine concerns can be addressed by a professional. Will cost a few euro but give you peace.
  8. K

    Which ETF for €100 a month?

    Gordon. Just to tease this out Say your paying Zurich !% pa. to manage your investment. Say I purchase an etf once a year every year in order to keep things simple for tax disposal and all that stuff. After 10yrs Zurich will have taken 10% of your fund? Both ways might very well be taxed at the...
  9. K

    Trying to decide if is doable self building in my situation

    Completed 3 self builds over the last number of years, Finished last one just over 18 months back. All were without drawing down stage payments. The fact that you will be drawing down stage payments coupled with the difficulty in securing good trades persons. I would recommend using a builder.
  10. K

    Landlord mixing AirB&B with long term tenants - RTB fine for non-notice

    Paul, Landlord myself. Forget about PRTB etc. Do not think its fair on any tenant to accept strangers coming and going in what is there home. I certainly would not like it one bit.
  11. K

    CGT and offsetting losses from 2008/9

    Thanks folks. Even I can understand replies
  12. K

    CGT and offsetting losses from 2008/9

    Thanks folks. Could you please explain "any gains realised in the meantime even if insufficient to generate a CGT liability at the time will eat into losses" I thought any gain above 1250 was taxable and any losses must be used up before using 1250 allowance.
  13. K

    CGT and offsetting losses from 2008/9

    I have receipts from stockbroker and share certs from a couple of companies that died around 2008/9. Currently want to sell some shares that have been good to me. Never claimed or logged losses with revenue. Can I offset the losses now?
  14. K

    Low income retiree, looking for options

    Totally agree. If you work hard and but a property you like. Your selfish. If you choose to drive a nice big car you like your selfish, If you work save hard and buy a holiday home your selfish. I live in a nice big house with my wife. I own a second property. I drive a new car every few...
  15. K

    House purchase mess - 2 judgements outstanding

    If you really want the house stay calm and take advise from solicitor. If it all goes through your purchase will be cheaper than a purchase now. Hope it all works out.
  16. K

    BOI refused car finance

    Could this be a wind up?
  17. K

    BOI refused car finance

    Teacher I do not want to sound harsh but I would suggest that it may be hard for you at this stage to change your ways on your own. I would also suggest that while family members might be very generous their actions might actually be doing more harm than good to you long term. You do not offer...
  18. K

    BOI refused car finance

    No bills apart from phone. Family member cleared credit card for you. Not been smart but sounds like your just spoilt and in the long run those allowing you to freeload are doing you no favours long term. Then again I could be wrong?
  19. K

    A very Merry Christmas

    A very Merry Christmas to all at AAM. Thanks to all for their work and contributions to a great site. Derek
  20. K

    Money accidently transferred to wrong account

    I sent monies to New Ireland in error and had some job getting it back. The fact that you do not know who the money was sent to is going to prove extremely difficult. I sent money from Permo. TSB. They sent one letter off to New Ireland and washed their of it. The fact that you do not know who...
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