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  1. J

    When does a fixed term mortgage end: x years after the loan offer date, or x years after draw down?

    @tcna My BOI fixed rate ended exactly on the date of draw down + number of fixed years, to the exact day. I guess your original offer specified a fixed date, and if I recall correctly, my loan offer always mentioned the number of years fixed. Or it could be some issue which happened between UB...
  2. J

    31K in Debt - How can I climb out of this debt hole?

    @buzzard I've heard that sometimes you can negotiate better payment terms if you contact credit card companies and tell them that you cannot make repayments.. you can get your credit card cancelled and the remaining balance gets converted to lower interest debt. At least it was a thing back in...
  3. J

    How Singapore Solved Housing

    @blessedgigi The new ones are not bad. But nimbys folks are stopping even new ones from being built.
  4. J

    How can I be tax savvy to avoid 33% CTG on stocks

    @glowing The short answer is no, Ireland doesn't have any such way of saving taxes.
  5. J

    Revolut Robo advisor

    @abbie333 It's probably not terrible, but most of these don't really outperform index funds. Imo, it's better to just invest in those.
  6. J

    Mortgage Overpayment Limits

    @bbryup Wow.. that's pretty cool.
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