RIP Kim Jong-il

19Dec11
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Converyancing can be a lengthy process so before you go into it, it is best to be aware of the situation and what is involved.

Conveyance is the movement of property deeds or legal title from one person to another, or granting the encumbrance of a mortgage or loan to another person.

The first thing you should do if you decide to undergo buying a house and therefore conveyancing is to find a place to purchase or to move to.

You should then look for an estate agent to sell your property. When looking for an estate agent you should consider the reputation of the estate agent in question. This will ensure you get the best value for money and can sell your house a quickly as possible.

Look and see the length of the contract on offer, whether there is an extension, whether you enter a no sale, no fee arrangement and whether the cost of advertisement is included in the price. Also make sure you can use your own solicitor as a referral from them will make your legal costs higher more than likely.

You will then have to go and find a solicitor for conveyancing. There are many solicitors that offer this service out there, however finding a good one will mean you have to take a lot of different things into account.

Get a full detailed quote from the solicitor you intend on using, though find out if they will charge you if the sale falls through first. Yu should also keep an eye out for additional charges or extras that are placed on top of the initial charge. Your solicitor will then make a legal contract. This means you have to furnish them with deeds, information for the land registry, details of your mortgage and a number of other things.

When the contract papers are made up you will need to wait when a number of other searches are performed on the property – this can take between 1-2 weeks. There may also be questions as the buyer will want to know certain things, these can add a length to the proceedings.

The buyer will also be sorting out finance at this stage and will instruct a surveyor to examine your property and ensure it is up to their standards.

Once this is all okay, the solicitors will ask you to sign a contact and these will be exchanged with the contact of the buyer when signed. This contract is the formal terms of commitment and at this stage a date for completion will be arranged and you will know when you have to leave the property by.

Completion then comes about when the seller’s solicitor receives the proceeds of the money. Then the title deeds are handed over and the property and any monies repaid out of the money received to the mortgage or the solicitor will be paid. The balance is then sent to you for purchase of another property.


With low interest rates meaning that most savings accounts are failing to keep much ahead of inflation is it still worth putting money into a savings account?

There are various reasons why the Bank of England has kept the base rate of interest down. Partly it has been an attempt to allow the lending that needs to happen in order to for the economy to keep moving, but perhaps it has also been the intention to encourage consumer spending rather than saving.

It is certainly no secret that inflation is high and the interest rates being offered by banks on savings accounts are low. This has meant that it has been tempting to either just enjoy spending the money before inflation erodes its buying power, or to look to different types of investment. Both of these courses of action however have major flaws.

Finding a higher rate of return on the investment of money saved might seem like a bit of a no brainer. Things are not that simple. With greater returns almost inevitably comes some combination of increased risk and increased inflexibility.

Putting money into a UK bank may not be sure fire road to riches right now. At least it is safe though. The government guarantees savings to a very high level, meaning that you will still have your cash even if something goes badly wrong with the bank it is in. The same can not be said for other kinds of investments, with the situation generally being that you are on your own in joining the queue of creditors.

With what is happening in the eurozone right now there is every chance of things going very badly wrong with all kinds of financial institutions. The possibility of widespread sovereign debt default is being talked about, and this could prove to be too much to bare for the lending institutions. There is only a limited amount of money available to bail out banks, and the damage to the financial sector could damage the value of a whole range of investments.

Nobody knows what is going to happen with the global economy right now. Until a clearer picture emerges the argument for keeping your money safe and ready at hand is compelling. A lot could change over the next five years, so being locked into a five year investment could be far from ideal.

What goes for uncertainty in the economy goes double for uncertainty in personal finances. Wages and job security are not in a good place at the moment. It would be a brave person indeed who made decisions predicated on their income rising in relation to their outgoings over the foreseeable future.

The increased likelihood of unemployment or drastic falls in income is a reason why it may be wise to focus on having funds in reserve in government guaranteed savings accounts. They may not be performing as well as an investment as you would like, but at least they are there.


It is hard to to fathom whether the people who made this advert for dolls back in the sixties intended it to be quite as creepy as it is. Classic.


Dublin Up

07Dec11

Dublin offers culture and the ‘craic’ to all comers. A weekend in the Republic’s capital will be a memorable one.

The Republic of Ireland’s capital is a great place for the craic, as the Irish would say. Dublin, split by the river Liffey, is a great city for people of all ages to visit as it offers everything from great nightspots, to good shopping and is in close proximity to fantastic scenery.

When staying in Dublin choose from one of the many fine hotels that are situated in the cities beautiful Georgian Squares – this will give you a taste of the grandeur of the Emerald isles capital

One of the must see places on a visit to Ireland is Trinity College. The University is the oldest in the country and greats such as Samuel Beckett have passed through its doors. The college is beautiful and easily accessible, being right in the centre of the city and it also holds the ancient Book of Kells – one of the greatest

pieces of medieval Christian manuscripts in the world. Its ornate decoration and attention to detail are evident and compelling.

The Chester Beatty Gallery, named after the founder who gave his collection of items to the state is also a fantastic place to visit, having won numerous European awards. The Chester Beatty Gallery stocks a number of prized items, including the remainders of the Middle Eastern religion of Manism a mixture of Christianity and Buddhism, as well as treasures from all over the world. Voted European Museum of the year in 2002, this is small but certainly not worth missing.

Dublin is also a prominent place for its nightlife and Temple Bar is one common place people will know. However, the area of Wexford Street and surrounding streets offers a number of pubs and clubs for those looking to get away from the tourist trap and see the pubs Irish people frequent. Try Copper Face Jacks – a very popular club, or try Whelan’s if you want to get some local music in when in the city of culture.

If you visit during a summer weekend then you’ll more than likely be around for a GAA Sunday Game. Visit Croke Park and see the sports the Irish love the most – Gaelic Games. There are often inter county double headers on and a visit is worth it for the friendly and lively atmosphere and the passion these amateur athletes compete with.

If you want to get away from it all and see some scenery and take in a little bit of Celtic mythology, Newgrange Mesolithic tomb is worth seeing. The tomb is a colossal structure built over 5000 years ago and showcases the advanced nature of Celtic design and architecture. The light shines to the remains of the dead at the end of the 60m long tomb only on the 21st of December each year – showcasing Celtic mathematics and beliefs excellently.

The city may have a foot in the past, but the transport links are definitely 21st Century with many airlines now operating flights to Dublin. Wherever you are from in the world, Dublin should be on your list opf dream destinations.