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Everything posted by assetrichcashpoor

  1. Hello, I was wondering if anyone knows about gaining Irish naturalisation by having an Irish association? If you had an Irish spouse or child etc. but don't live in Ireland and won't meet the residency requirements. I've done some digging and came across the section written below, which gives the eligibility. I've bolded the relevant sections. I don't meet the residence requirement of 5 years reckonable service or intend to reside in Ireland. However in the section below it says these requirements may be waived in certain circumstances including having an Irish association. Does anyone have any experience of this and know whether this is at all feasible? By the looks of it the 5 years might be reduced to 2 years normally. Would there be any chance of it being reduced to 0? And if so how does one go about applying to the minister to waive the requirement? Do you apply for naturalisation with the normal form and write it on there somewhere or is there another process to go through first? Who is eligible for naturalisation? If you wish to become an Irish citizen through naturalisation, you must: Be 18 years or older (you must be married if you are under the age of 18) or, Be a minor born in the State (from 1 January 2005) and Be of good character - the Garda Síochána (Ireland's national police) will be asked to provide a report about your background. Any criminal record or ongoing proceedings will be taken into consideration by the Minister for Justice and Equality in deciding whether or not to grant naturalisation. Details of any proceedings, criminal or civil, in the State or elsewhere, should be disclosed in the application form, and Have had a period of 365 days* (1 year) continuous reckonable residence in the State immediately before the date of your application for naturalisation and, during the 8 years preceding that, have had a total reckonable residence in the State amounting to 1,460 days* (4 years). Altogether you must have 5 years (5 x 365 days*) reckonable residence out of the last 9 years - see ‘calculating reckonable residence’ below, and Intend in good faith to continue to reside in the State after naturalisation and Make a declaration of fidelity to the nation and loyalty to the State, and undertake to observe the laws of the State and respect its democratic values (see below for the point in the process at which this is required). *You must add 1 day for any period which includes 29 February. Normally, when you apply for naturalisation you must be supporting yourself and your dependants while living in Ireland - see 'Self supporting' below. The Minister for Justice and Equality has power to waive one or more of the conditions for naturalisation in the following circumstances: If you are of Irish descent or of Irish associations or are a parent or guardian applying on behalf of a minor child of Irish descent or Irish associations If you have an entitlement to Irish citizenship if you were born on the island of Ireland If you are a naturalised parent applying on behalf of a minor child If you are the spouse or civil partner of an Irish citizen or a naturalised person If you have been resident abroad in the public service If you are recognised as a refugee (under the 1951 Geneva Convention relating to the Status of Refugees) or a stateless person (under the 1954 UN Convention regarding Stateless Persons). In the case of a refugee, stateless person or a person of Irish associations, the Minister will normally waive 2 of the 5 years' reckonable residence requirement.
  2. Just a quick one. Does anyone have any figures on buy to let landlords? Such as the age range and the average number of properties owned etc. My suspicion is most are over 50 and the majority own one or two but I wondered if there was a way to find out definitively.
  3. Taking the average can smooth out extremes but I think is a good benchmark. I think the most relevant measure of inflation would be wage inflation. I don't have the exact figures to hand but I believe this is still lagging behind CPI, RPI and way behind pure house price inflation.
  4. Round my way a 40% drop would bring houses down to 2010 levels which is when I bought. I was a full on HPCer by then and thought houses were massively overpriced then. IMO we'd need an 80% drop for things to get back to normal.
  5. Could brexit be the trigger that knocks down this house of cards? I think the consensus here is that although there is a lack of supply in the housing market the deficit alone isn't the main reason why houses are so expensive. The main reason has been easy credit which has driven up house prices to the eye watering levels they're at now. Banks are confident to lend as there is a perception that the housing shortage is much greater than it is and buyers are still willing to buy because they think prices only go up (since I've been an adult prices in the SE have never fallen). Would brexit remove confidence from the housing market, i.e. brexit causes a smallish drop, the banks get a bit jittery and stiffen up their lending criteria, people start thinking the market is falling so put off buying which creates a feedback mechanism? Admittedly it didn't happen in 2008-2009 the housing market fall was arrested by government intervention and by potential sellers were put off so the lack of supply helped sustain prices.
  6. You get this a lot in Oxford with the Mini factory. The workers get very competitive lease deals including insurance which allows a lot of the youngsters to drive a new BMW for 6 months for ~£400/month. Other than that I'd suspect young drivers of these types of vehicles are into something illegal such as drug dealing or benefit fraud. An aquaintance from my school days used to drive a brand new car (admittedly a corsa) even though he didn't have a job and wasn't from a wealthy family. I was too naive to know where he got his money from until someone pointed out he sold drugs.
  7. An aquaintance from school has set up his own estate agency. He was a bit of an odd one, he was from a very well off family and was slumming it in our state school. He's been an estate agent for nearly 20 years now, he had some deal before when he managed to own his own branch of a small chain of estate agents. Just before Christmas he set out on his own. I've been told he's spent £20k set up costs for his premises and is employing 3 full time staff. He's on a side street in a small town that is dominated by estate agents and charity shops but with little else. I don't know how he thinks he'll make any money. At best he'd be looking at £3000 fees per house sold and there just aren't that many on the market to make it worthwhile in my opinion.
  8. A friend of mine works for one of them, probably the most well known and respectable one, although that's a very low bar. The comments she used to make about her clients were incredibly funny the term scrote came up numerous times in her Facebook posts. She's toned it down now.
  9. The spin on this story is what I find grating about the situation. A relative of mine moved to Australia he wanted to return to the UK for personal reasons after several years but stuck it for another ~2 years to gain full citizenship just in case he ever wanted to go back. Even if you may disagree with immigration rules you know you have to abide by them. It's their ball their rules. Why did she leave the UK in 1992 without gaining citizenship? She'd have lived there 4 years and been married a uk national so would have got it had she applied. Regarding the £12 in her pocket and having nowhere to stay in Singapore aspect. This is something she has been told will happen since 2014 and in 3 years hasn't made any preparation for.
  10. Regarding the Irene Clennell news story. I had thought there was something more going on with her situation and there was more to it than we've been told by various media outlets. Until I checked on the petition link I hadn't realised just how much time she had spent out of the country. From what I've read she came to the UK in 1988, got married in 1990 and gained indefinite leave to remain and then went to Singapore in 1992, she then spent 21 years out of the country before returning in 2013 and applied for ILTR again but was rejected, we're not told why she was rejected. Since 2014 she's been told she should leave the country. Although I do have a lot of sympathy for her, I can't help but feel this was a problem of her own making.
  11. I think tax credits and benefits to EUers should stop once the UK leaves the EU but I am not as optimistic as other people on here that the UK government will do that, especially to EUers who have been here a long time and may be legally resident here. The British governments over the years have not done a great deal to stop benefit tourism from the EU and I can't see them doing anything now despite their rhetoric. There are a lot of British pensioners residing in the EU who will be insisting that they be allowed to remain where they are enjoying the services of the state they currently live in for the same terms. I think the UK will be forced into a deal to guarantee existing rights to existing EUers to protect British people abroad. There might be changes for people coming later but what's the point of closing the stable door after the horse has bolted? I would like to be proved wrong but I don't have much optimism. Without too much tin-foil wrapped around my head I don't think the rampant UK house price inflation was an accident or the governments since 1997 couldn't have stopped it if they wanted to. It was a deliberate ploy to inflate the housing market with cheap credit and the encouragement of But to let. With Brexit beginning to effect the confidence in the economy the current government can't let the housing market crash, not that any government would deliberately let the housing market crash. If that means they have to allow EUers to still be able to claim housing benefit they will do. That would be two birds with one stone, prop up the housing market and a gesture of goodwill to the EU.
  12. I'm not so sure the tax credits and benefits will be stopped though. I think there will be some grandfathering of existing tax credits and benefits for EUers that were here before June 2016. With a less generous reciprocal arrangement with the EU for people who arrived later. Ultimately we don't know what the government wants or will achieve but I can't see them making any of the large changes people want or expect.
  13. I don't believe that there will be a signicant EU exodus after Brexit. I think those that are already here will be allowed to stay by some sort of government deal or will already have been here long enough to qualify for residency and/or citizenship. In total I think this won't do much to dent demand for rooms in HMOs at least in the short term. If there is an exodus of EU workers I think there will be a government scheme to bring in people (not necessarily workers) from the commonwealth, of which one region of the world will be overly represented.
  14. No talk of building council houses though? Just extending the length of tenancies. Renters do need more rights, but as Futuroid has said I worry that these token increased rights are just the anaesthetic that will be used to turn the UK in to a land where everybody rents from a landlord.
  15. I've had a look for the house advertisement I was thinking of but can't find it. My search turned up a thisismoney article on this subject. They mention someone who tried to give away a Ferrari which wasn't the person I was thinking of. The people I had in mind had an overpriced house that was an unaffordable lifestyle choice they couldn't sell for what they thought it was worth. They then tried to throw in the car this being their second largest unaffordable lifestyle choice. They quoted the price of the car when new, not when it was x many years old and didn't mention how much of a liability they can be to maintain as they age. The type of car that might have a book value of £10k but if someone gave it to me for free I'd sell immediately and not fall into a rabbit hole. http://www.thisismoney.co.uk/money/mortgageshome/article-2952571/Struggling-sell-home-Raffle-throw-car-maybe-ten-rare-sheep.html
  16. Has anyone tried throwing in their old car yet? I think I remember someone offering their old Mercedes SLK or a Range Rover as well as the house. Although it wasn't a new car and wasn't worth quite as much as they were letting on.
  17. People have mentioned the batteries are expensive. Don't they also have a huge environmental footprint? And the use of metals that are in short supply. If the UK was to go balls deep on electric cars would it even be possible to supply the batteries?
  18. There seem to be aunts* like this from time to time. There was one a few years ago who tried the same stunt. He was saying that he was able to buy the house when prices were reasonable and raise his family in it, but now it was so expensive no one could afford it. He was 'giving young people a chance' by raffling the house. He also hadn't been able to sell it hence the raffle. *spelt with a c and without the a. Who do I have to duck around here to get swearing privileges.
  19. That sounds about right. The worktop is going to be ~600mm deep (24 inches) maybe even less if they've cutdown the service space behind the units and the gangway is certainly less than that.
  20. I think you just might have. On a personal note my kitchen used to have that exact lino.
  21. You're correct. One of the big problems comes from outsourcing. I've worked in a few organisations that have out sourced various bits of their work and it rarely seems to work as people had hoped. The cost of monitoring the outsourcing seems to be ignored or vastly underestimated. So it seems to be a shock when they realise the need to have X many people watching the out sourcing company or they'll be diddled. And they can only hold the company to account on certain service level agreements, if the company are doing a poor job overall but meeting the key criteria then there's nothing you can do about it. If you are able to amend a contract to add more performance clauses you then have to spend more of your own money on monitoring.
  22. I worked in the rail industry and there is an astonishingly large amount of waste. A lot of it due to privatisation. A lot of work that is performed by an internal or external design team is then checked (basically doubling the effort) by an internal Network Rail team. This work will already have been through a thorough check by the design team before it has been released and the design teams have numerous qualifications and checks done on them to ensure their work is to an acceptable standard. Other than the odd spelling mistake or personal preference I have never seen a design actually change at the second checking stage. It seems to be totally redundant and doesn't catch the big c0ck ups which mainly due to come about by making untested assumptions or not having the original drawings of what is there now. British Rail records weren't the greatest, Fail Track couldn't find their **** with both hands and Network Rail haven't bothered to fix it.
  23. I think most people on here know that but the general public still seem to be ignorant. In the UK specifically Buy to Let has been the biggest fuel for the housing bubble. With their tax advantages BTL landlords replaced first time buyers ~15 years ago. It's taken until now for anyone to do anything about it.
  24. You're probably correct. I wouldn't mind betting that's where some/all of her lump sum came from. She would have been very young to get one of the payoffs though. They normally went to people in their mid to late 50s. It might be the case that she pissed someone off or someone made an allegation against her. I knew of someone who was accused of sexual harrassment, from what I know of him I find this highly unlikely but he could have just been very good at hiding it. When the allegation was made he was suspended on full pay, he wasn't allowed to be told who made the allegation or when it was meant to have occurred or the evidence against him. Within a month he was allowed to retire at 52, but had his payments made up until he was 60. It did seem very suspect at the time more of a witch hunt to get rid of someone with an easy payoff mechanism.
  25. It did offend me when I saw other people having it much easier than I was. Especially if they claimed to have done it themselves when they'd clearly had a leg up. The person I was describing in Bristol didn't pretend he'd done it all by himself, he knew he'd been helped significantly. The majority of the help he received was through house price inflation not parental help. I believe his parents weren't soothsayers and they did not know prices were going to go through the roof. I think that's just what middle class parents did in those days. As well as actually having the money to wait for a perfect job/unpaid internship that might lead to a job I think another hidden benefit is the confidence of knowing you can fail as your parents will continue to subsidise you. I saw that a few times when I met other candidates at recruitement centres for various jobs. For me it felt a lot more pressing as I had to get a job that year or else I was in serious trouble financially and I think that pressure got to me in the assessment I had for one employer. Whereas having the freedom to fail would have lead to me being more relaxed and giving a better performance. But on the other hand I'm going to work my ******** off so that my children have some of the advantages I didn't. I'm not sure if going to University will be worth it in 15-20 years, but given how much it'll cost I want to have the money there for them if they do want to do. I will be actively encouraging them to look at worthwhile apprenticeships and/or university sponsorships even if they have to join the armed forces for 6 years. One of the things I knew but has been heavily emphasised on here is the need to be debt free. Apart from our mortgage which we're overpaying at the fastest rate we can afford we don't have any debt and have a relatively healthy emergencies fund.
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