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  1. H

    Health Insurance Laya free online doctor appointments under policy - prescriptions

    thanks all, just checked, my last remote request prescription was charged at €35 - and all I did was send an email and ring reception to pay the bill. So probably getting ripped off!
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    Health Insurance Laya free online doctor appointments under policy - prescriptions

    Hi, with Laya (and VHI etc. presumably) there are a number of free online doctor appointments under many policies - anyone know if you can use these apointments simply to get an on-going prescription e.g. for blood pressure meds or things like that, instead of paying your own GP €30-€40 for...
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    Power of Attorney (ordinary)

    Thanks DirectDevil, that makes sense!
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    Power of Attorney (ordinary)

    My brother wants to give me authority to sign various affairs for him when necessary which I am happy to do. He has provided me with a simple document to sign (per Power of Attorney Act 1996) and our mother will witness. I'm just confused - it seems so simple, how does any institution I am...
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    Buy a house - need help from mother - gift or joint purchase?

    Thanks protocol, but am I correct in saying I can get gifts tax free up to the €320k? Yes, looking at 5yr fixed with BOI at 3.2% and 2% cash back thanks.
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    Buy a house - need help from mother - gift or joint purchase?

    Hi all House - €350k Savings - €150k Mortgage €100k (I have an income of €30k) Leaving shortfall of €100k - my mother is prepared to give me this as an 'advance inheritance' so to speak. From what I gather, I can get this gift within a lifetime allowance of €320k from her without paying any...
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    Qualifying Disclosure to Revenue by deadline end April

    Hi I am making a qualifying disclosure on behalf of my mother who is in receipt of a small (€2k per annum) UK state pension which, purely from ignorance, was not declared since receipt in 2009. I was about to calculate the total due, plus interest plus penalties, but noticed in the Revenue FAQ...
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    €700k missing from Rush Credit Union

    It paid out for Berehaven Credit Union too. Also, it says that only the arrears of loans can be netted against the payments. Other info here including what happens to the loans...: [broken link removed]
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    Verified by Visa (AIB) - mandatory mobile phone

    How is it "too easy" to reset the password? How would the "robber" of my phone easily reset my password? But not beyond all of them. However, getting my password would be beyond all of them. Either way, even if I am the only one with the view, I just know that there will come a time when I...
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    Verified by Visa (AIB) - mandatory mobile phone

    I use my Visa Debit to purchase a lot of things online. Normally, for merchants that use "Verified by Visa", I have to enter a couple of digits of a personal password to continue with purchases. That's been the case for years. But now, AIB, from this October, are removing the password...
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    Prize Bonds are looking attractive alternatives to deposits

    At the rate (pun) rates are dropping on deposits, any return at all from Prize Bonds will make them a winner (pun) in the future no? After all, there's only so low the prizes can go before they won't get away with calling them prize bonds.
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    Key Post Are the lenders losing money on tracker mortgages?

    Brendan, David McWilliams in the Irish Independent today said "The nub of the problem is that the banks are losing money on tracker mortgages and they need to make this money back somewhere, so they are squeezing both savers and borrowers". But you say that they are not loss making any more...
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    Employer charged too much BIK

    Hello Employer charges too much BIK for previous 5 years. Discovers mistake and admits it is an error by its staff. Tells employee to claim back from Revenue. 1) Does employee have to go back to Revenue or can they insist that their employer pay them back as it is their mistake? 2)...
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    Safety of Deposits with PTSB

    If I have a mortgage with PTSB and a deposit will they cross one off against the other? So if I have €150k deposit and a €50k loan am I ok under the guarantee? or could I lose €50k of the deposit and still owe the loan?
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    Pay off Tracker early AIB

    I have circa eur400k mortgage with 20 years to go on a tracker (0.8% above ecb) with PTSB. I also have eur200k in cash. They wouldn't do any deal on repayment so I'm taking 2.6% fixed for one year while tracker is 1.3%. I was surprised they had zero interest in offering an incentive. What's...
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    Simple changes to save you almost €3,000

    The Financial Regulator has come up with an amazing plan to save €3000 a year by making "simple" changes. http://www.itsyourmoney.ie/index.jsp?1nID=93&2nID=94&3nID=109&4nID=109&5nID=109&nID=421&aID=706 Some 83% of this simple saving is made by: Cutting out a magazine a week -...
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    Are Top Dvds and Tvs the ones to buy?

    Me too 10 years ago. someone told me they're not even made by Mitsubishi but who cares it still works!
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    is channel 4 now available

    someone told me that certain programmes on C4 are blocked for rights reasons?
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    dog abandoned

    Me too (make the dog the AAM mascot! Call him Money!)
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    Stamp Duty on a house is liable from when ?

    Does this mean people are ok if they wait until after the budget to close?
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