Category Archives: Good Financial Housekeeping

Are you doing it right?

Are you doing it right? Most of us are not and even government ministers don’t seem to do it right. Continue reading

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10 reasons why pensions are still important

With the State pension destined to reduce in amount and start later, with life expectancy increasing and a consequent population bulge of citizens over age 65, it is timely look at pension funding again. With good reason or rather 10 good reasons. Continue reading

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Bankruptcy in Ireland still not ready!

The new personal insolvency arrangements will not be available for the people who need them most. The fallback solution of the 3 year bankruptcy is also not available because it hasn’t been made law yet! Continue reading

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Local Property Tax

Residential property tax came thirty years ago, was very unpopular and went again twenty years ago. The LPT is imminent, apparently because the troika is insisting on it. Pending its arrival this year, we have had the 200 annual NPPR … Continue reading

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Homeowners looking to write off mortgage debt

Homeowners struggling with their mortgage debts may be able to get substantial amounts written off. Of course there will be a price to pay – The banks will insist that customers cut back on “luxuries”. Foreign holidays and Sky Sports may not be too much of a sacrifice, but expect major objections to having to take children out of private schools and to have to do without private health insurance. Charle Weston’s Irish Independent article of 21/03/13 ia a great read. Continue reading

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Bank Of Ireland Hikes Tracker Mortgage Rates

Bank of Ireland has changed the rules of the game and somehow increased mortgage tracker rates! Continue reading

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Protection for unmarried couples

Unmarried couples face serious inheritance tax bills on the death of one of them, 50% of the value of the home, less 15k, charged at a tax rate of 33%. Contact your broker and ask about “life of another” policies. Problem solved. Continue reading

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Personal Insolvency in Ireland 2013

The Personal Insolvency legislation is in place but the practical facilities are not quite ready. It will be at least Qtr 2 2013 before applications can be processed by the Insolvency Service of Ireland. Talk to your creditors in the meantime and have 6 months working with the MARP process in the case of mortgage debt. Continue reading

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Moody’s: Negative Equity will now be the Key Driver of Default in Irish residential mortgages in 2013

Residential mortgage defaults to peak at 20% in early 2013, according to Moody’s. Moral hazzard may bring that figure even higher! Negative equity will now become the key driver. Continue reading

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Life Mastery – The Lantern Centre

Help with Debt at the Lantern Centre. Good Financial Housekeeping. Continue reading

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