http://www.mortgagebrokers.ie/blog Keeping you informed on the Irish mortgage market. Tue, 09 Mar 2010 10:39:25 +0000 http://backend.userland.com/rss092 en 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/ Merrion IRISH LIFE AND PERMANENT FY BROADLY IN LINE * Profit After Tax (PAT) of -€279m better then our forecasted -€308. * Divisionally, PAT for banking business -€270m better then our forecasted -€302m and Life APE sales (ex ILIM) also ahead at +€348m vs our forecasted  +€318m. * loan loss provisions better at €376m ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/03/irish-life-results/ There were many innocent parties to the credit fuelled property bubble, they are generally those who didn't borrow, or who carried no debt, choosing instead to live frugally, and if they used debt they used it wisely. Many of these people are at the polar ends of the age spectrum, ... http://www.mortgagebrokers.ie/blog/index.php/2010/03/02/everybody-pays-even-the-innocent/ AIB announced today that they will be closed to switcher mortgage business effective immediately. We spoke to Mary Wilson from RTE's Drivetime on the topic and we stated similar views to what you will read here. The options open to a bank with limited liquidity are essentially 'who do we lend ... http://www.mortgagebrokers.ie/blog/index.php/2010/02/25/aib-closing-to-switchers-why-and-what-does-it-mean/ Dan Mitchell of Cato (and the Centre for Freedom and Prosperity) is a guy I enjoy speaking and listening to as well, he is a great Libertarian thinker and regular commentator on Bloomberg, CNBC, CNN and Fox News. Here are two of his latest video's, the first is on debt ... http://www.mortgagebrokers.ie/blog/index.php/2010/02/23/dan-mitchell-of-cato/ We got a mention in today's Indo in the 'Your Money' section, the story is about the one year freeze banks have on repossessions. The article by John Cradden covers the main issues of the day in the repossessions arena as well as giving some great general advice on ways to protect ... http://www.mortgagebrokers.ie/blog/index.php/2010/02/23/irish-independent-irish-mortgage-brokers-mentioned/