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I wish I was a banker
The nationalisation of banks has taken up many of the editorial pages of late, everybody has their own opinion and in particular there ...
personal finance
The banking ‘Whitewash’
Meredith Whitney talks about the 'banking whitewash', saying that the recent gains in many banks (they have been beating expectations b...
Euribor yield curve changes April 2009
Below are two charts of the Euribor yield curve (many thanks to Bank of Scotland Treasury for their excellent daily reports!). Here ...
A tale of two developers.
The builders, developers, and even architects I know are all having a really tough time at the moment, with some they are talking to th...
To fix or not to fix, even if it ain’t broken
Paul O'Connor from MyHat.ie asked me to do a post about fixed rates, like us, they get lots of questions on mortgages, property etc.
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The pincer of fixed rates while in negative equity
A recent article in the Independent stated that 'fixed rate borrowers are taking all the pain'. The base rate has fallen from 4.25% to ...
Rent or Buy the 5 year outlook
Today we are going to look at a comparison of renting vs buying with a five year outlook given the current interest rates, the yield ou...
MicroVentures, how a microfinance approach to investment in Ireland could create jobs
I have covered the area of microfinance before, and in nations where it works the multiplier effect of the credit is said to be quite a...
New build a loser?
Banks are now reducing the LTV they will offer for new build properties but not in the second hand market and today we will look at why...
Regulatory distortion of the market, intervention required.
The Financial Regulator has been under increased scrutiny and for that reason it is probably a good idea if they take steps to ensure a...