Q I had to return from abroad where I have worked for the last three years after being made unemployed due to the Covid-19 crisis and it is unlikely I'll get my job back. I now feel I have no option but to stay (there's also a visa issue). While away, I rented out my apartment here to a couple and I need to move back in. How should I go about evicting them without trouble as I'm back with my parents in my late 30s?
Q I can pay off my mortgage in full or 75pc, with the balance continuing in monthly repayments. I'm 40 without children. I have a balance of €85,000 at 3.15pc p.a. interest ending in 2045. I do not have any other debts. Will it be worth paying it off completely or will I be losing money by doing so?
THE advertising in the 1980s told us it was our 'flexible friend', and it's hard to believe that easy access to other people's money via credit cards began only in the 1950s with Diners Club. So using plastic instead of 'real' money to pay for things has been around for only a couple of generations.
Q Our mother died in February, just before Covid-19 hit. Her house, which is worth around €250,000, is to be split when it is sold between four of us, her children. She had little or no other assets, so we don't expect a bill for tax. I am executor of her will and have applied for a Grant of Probate. Is there any issue if we let the property out while we wait for the market to recover? One of my sisters lives on the same road and can organise viewings, etc, or will this create a tax problem?
SOME virtue signalling last week from the Central Bank's head of financial conduct, Derville Rowland, to a group of banking insiders left the public in no doubt that while the current emergency forbearance measures in place on loans and mortgages will be extended to the end of September, normal service resumes thereafter.
Q My neighbours have been flouting the Covid-19 rules for many weeks. They have what seems like parties, barbeques, loud music and friends over all of the time. My husband has been ill (not with the virus), and it is very trying. Another neighbour said I should report them, but I don't know how or to what end. I'm really upset and as they live on a corner site (with my house attached), nobody else is particularly bothered with the noise
Q When my first husband died, he left nothing except our house, which passed to me along with a number of unexpected debts, which I was responsible for paying. I am now getting remarried and my second husband has no children (we won't be having any ourselves). My children are now almost adults, but I want to ensure they are well looked after should anything happen to me.
First they were "vectors", then "super spreaders". Some shops even banned them, people avoided them on the street, throwing parents the evil eye for having the temerity to expose them in public; they were the little tykes who were going to kill granny, after all.
Q Since lockdown, I have been working at home in Ireland for a UK employer. My income tax is deducted at source and I also file a self-assessment tax return in the UK each year on the sterling rental income from a flat I own. I have always wanted to return to Ireland to live so I plan to apply to become a full-time home-worker. Should my application be successful, I would spend four days per month in the UK. My salary will remain in sterling, and I would be grateful if you could tell me what my liability would be.
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