http://www.mortgagebrokers.ie/blog Keeping you informed on the Irish mortgage market. Mon, 15 Mar 2010 14:42:51 +0000 http://backend.userland.com/rss092 en Caroline Madden wrote an article in today's Irish Times 'Just who is getting the mortgages?'. It is a question that begs answers, at first it seemed to me like asking 'Who is John Galt?' (Rand readers will understand). The stories we hear constantly is that banks are hoarding credit, they ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/15/just-who-is-getting-the-mortgages/ The Sunday Times had an interesting article by Niall Brady which was pointing out the arbitrage that the consumer could have between retail institutions, by that we mean you could borrow at one rate which is cheaper than the rate you could earn interest at. This kind of thing would never ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/15/sunday-times-beat-the-zombie-banks/ In this video Toby Birch of Guernsey Gold talks to CNBC about Islamic Finance, Toby is a worldwide respected expert and practitioner on the topic of Islamic Finance. http://www.mortgagebrokers.ie/blog/index.php/2010/03/12/toby-birch-on-cnbc-is-it-time-for-the-west-to-follow-the-islamic-finance-model/ This is a video of a Murray Rothbard lecture from 1984, he was a believer in the freedom of the production of money and a fairly extreme figure in the anarcho-capitalism camp, while his ideas have never gained widespread acceptance, it is worth listening to his views as a means ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/12/murray-rothbard-money-government/ A highly debated element of the recapitalisations to date and the NAMA debate have to do with credit flow, that if banks are given money that they will start to lend it out, the problem being that we currently have a rapid credit contraction. The new Financial Regulator Matthew Elderfield made ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/12/are-banks-lending/ This is an interesting debate on Public Healthcare v.s. Private v.s. Co-Operative healthcare, the most pressing point is that medical costs have outstripped inflation in developed countries, oddly, average cost has increased with greater output, and marginal cost is higher than average cost - which go against the normal rules ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/09/co-op-healthcare/ If you rent a property which is covered by the Residential Tenancies Act 2004 then you must register a tenancy with the PRTB, if you get the registration in within a month it will cost €70, if you are late it is €140. This fee gives the landlord virtually nothing ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/09/the-prtb-private-residential-tenancies-board/ if you have problems viewing the video you can watch it directly on youtube. http://www.mortgagebrokers.ie/blog/index.php/2010/03/04/tv3-the-morning-show-with-martin-king-sybil-mulcahy/ The aim of the new pensions framework is to deliver lasting security, equity, clarity and choice to the individual. To a degree we are taking on a system the Australians have used in which providing for your retirement is mandatory. The aim is also to increase pension coverage, particularly among those ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/04/the-new-national-pensions-framework/ In the USA the 30yr Treasury is often called the 'long bond' and it is watched (the yields) very closely as it is the indication on long term rate expectations from within the market. If the NTMA issue 30 year bonds as suggested by today's Independent it could bring about ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/03/30-year-irish-bonds-what-it-means-for-the-mortgage-market/