Monthly Archives: January 2013

The Morning Show – Property Prices and KBC banks, Wednesday, 23 January 2013

We were back on the Morning Show talking about property price and market trends

Will there be more or less competition in banking?

Something occurred to me recently, it’s that state controlled AIB have too many distribution channels. There is AIB branches, AIB direct and online, AIB for brokers, then EBS both broker owned and direct and finally a soon to be revamped sub-group called ‘Haven Homeloans’. No matter who you make an application to the actual underwriting of the loan (the criteria of whether you get it or not) will be identical.

Dealing with debt, how it actually works…

Currently you could say the world is divided into the ‘haves’ the ‘have nots’ and the ‘have not paid for what they haves’. Today I’ll explain how to deal with debt when you run into problems, to do this I interviewed a few trusted sources who work as actual collectors. This is such a huge topic that I’ll break it down into two halves, this week we look at the early stages of arrears. Getting into financial trouble doesn’t always come with a bang, often you drift into it over time due to paycuts, higher taxes and spent savings. This is our first area, it’s called ‘pre-arrears’ and it gets very little little attention.

VAT returns for 2012

Just a quick note to remind you all that your VAT returns for the last period of 2012 are due on the 19th of January. This goes for whether you file quarterly, bi-monthly or annually, they all fall due on the 19th if you file electronically