WANT TO SWAP HOMES Q. My son and I wish to swap houses for various reasons which suits us both. Both houses are worth about €240,000. There is no mortgage on my house but there is on my son’s house. My son has two other properties which are rented out and also...
THE COST OF GROWING OLD Q. My mother is likely to need nursing home care before the end of the year. My father passed away a few years ago. As a family, we don’t have much savings in place to cover the cost of nursing home care so we are considering going for...
DEBTOR WANTS TO PUT HOME IN WIFE’S SOLE NAME Q. I am near retirement and currently drawing jobseekers allowance. It is my wish to transfer ownership of my house to my wife. However, there are a few judgements on the house relating to money I owe to financial...
SHOULD I MATCH MY EMPLOYER’S PENSION CONTRIBUTION ? Q – My new employer will pay 5% into my defined contribution pension if I match it. I am only 26 – do I have to agree to this or can I put it off until I am at least in my thirties ? Mary – Limerick A – There are...
PENSION LEVY QUERY Q. I am one of the original “victims” of Mr. Noonan’s private pension levy in the 2011 budget. In my particular case, the trustees of my scheme decided that our fund wasn’t strong enough to pay the levy directly. The consequence of this...
HOLIDAYS FOR THE SELF-EMPLOYED ? Q. I am self-employed and have had a contract with the same company for the last three years. This is my sole source of income. I get two weeks paid leave under these contracts – which are annual. I understand that employees are...
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