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    2008 PTSB Tracker Mortgage

    Per correspondence from PTSB, in case of any use "the bank ceased to offer tracker mortgages to new customers on 14 July 2008 and from 31 Aug 2009 to existing customers upon expiry of a fixed rate and discounted rate periods"
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    Government to Introduce Rent Caps in Dublin & Cork

    http://www.revenue.ie/en/tax/it/leaflets/it70.html#section17 What If Rent Is Not Received? A landlord who proves that rents are irrecoverable or were waived without consideration and the waiver was reasonably made in order to avoid hardship, is treated as if there was no entitlement to receive...
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    Paying loan back through business.

    There is legal stuff that you need to do under the Companies Act 2014 - google Summary Approval Procedure. Once this is done then NewCo can acquire the shares of ExistingCo where financial assistance is provided to NewCo by ExistingCo e.g. security for bank loan given to NewCo
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    Renting to family member, below market rate

    It is mentioned that the owner may wish to occupy part of the property on returns to Ireland so is the house being rented or is the person in fact acting as a caretaker and contributing to some costs for the property ?
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    How do the new rent controls affect selling and buying a rental property?

    So a property that has market rent of 1500 is rented for say 1300. LL will now be locked to 1300 + 4% pa. His generosity is being forced upon him to continue. If his circumstances change and he can no longer afford to be generous he is stuck. If he decides to sell his property, a purchaser (who...
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    Mortgage protection & Home Insurance

    the 2 who are putting savings in and presumably not expected to pay the mortgage should be very careful as I would expect them to be"on the hook" for the loan if the two who are meant to pay the loan don't pay. Expect solicitor to be agitated about this.....
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    Non resident and LPT charge.

    http://www.revenue.ie/en/tax/lpt/obligations.html "Interest charges at 8% per annum apply to late payment of LPT and penalties may also arise." re penalties found this http://www.*****************.com/property-tax-penalties.html "A penalty equal to the amount of Local Property Tax that would...
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    "Best Doctors" cover from Aviva

    No question is ever stupid as if you knew the answer you wouldn't have to ask the question As for stupid answers, that is a whole different scenario !!!!
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    "Best Doctors" cover from Aviva

    Ask him/her ! ie fee based service only he should be disclosing any commission to you anyway For example, what we do (We are a Chartered Accountancy firm and dabble in a little investment business work where client asks for it) is set everything as NIL commission where possible and charge...
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    Improving newspaper images

    perhaps you should contact the newspaper in question and purchase a copy of the photo from them and thereby get a good quality photo print (and also respect the copyright of the photographer who took the photo......) ? :-)
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    "Best Doctors" cover from Aviva

    sees to be available on group basis where min of 250 lives covered [broken link removed]
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    "Best Doctors" cover from Aviva

    I don't know the answer to that Dan but for 20 euro per month, 240 per annum would you not take out a policy with Aviva and have the main policy benefit as well (life or whatever you take out) ?
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    Review of our financial status

    you're welcome !
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    "Best Doctors" cover from Aviva

    If you are based in America then the above policy wouldn't apply and you would have to see what cover is available in USA.
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    "Best Doctors" cover from Aviva

    Aviva also have an Overseas Treatment Plan add on option but for this you have to pay 12.50 per month per life assured and again covers children and spouse (but not parents in this case it seems) and covers in the event of diagnosis with a covered cancer or neurology See...
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    Review of our financial status

    Yes if you wanted to - see other post for policies that are covered
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    "Best Doctors" cover from Aviva

    I think Aviva have 20 euro as minimum premium which for a 36 year old would give around 230k life cover
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    "Best Doctors" cover from Aviva

    With Aviva the benefit is an add on included at no cost for Best Doctors - Second Medical Opinion is available under the following products Term Cover Mortgage Protection Specified Illness Cover Personal Income Protection Executive Income Protection Pension Term Assurance So if you take out...
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    Review of our financial status

    another thought is re life cover, no need to read small print. You can't be half dead, So lowest premium applies. Most if not all life companies do price match so you can get the lowest premium with the life company of choice. Aviva have an add on benefit called best doctors which is available...
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    Review of our financial status

    Ask whoever your mortgage is with if they offer it. I have heard of EBS in the past. With AIB who I have my loan with, if you make an additional payment you have to write to say "take it off the capital" and they readjust the ongoing repayment due. I have known self employed people to...
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