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    Death in service policy advice.

    I'm civil servant since 2006, married and with a kid on the way I think it would be prudent to take out a life insurance policy. I'm trying to calculate how much cover I need and am trying to figure out the 'death in service' benefit. Am I right to say that if I died, my wife would receive the...
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    Advice on PV panels and system.

    Rather than pay for a hot water diverter I plan on putting the immersion on in the late morning from April to September to heat my hot water when I install my solar. I don't usually be cooking or using the washing machine/dryer/dishwasher then so it seems like the best approach for me. Then I'll...
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    Health Insurance Should a healthy 35 year old take out basic insurance?

    It's unlikely you'll be able to claim anything on a policy that low, so there's very little value to it other than saving yourself the future loading. You need to pay much bigger money to have decent cover and to cover yourself for things like those expensive cancer injections, you'd need to be...
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    Berkshire Hathaway as an alternative to an ETF?

    You might, but the op wants diversification
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    Berkshire Hathaway as an alternative to an ETF?

    Also consider investment trusts like Mnks, FCIT, JAM, SMT etc. They're treated like shares for taxation purposes and are much more diversified than BRK. Last time I checked BRK was about 45% Apple. I wasn't comfortable with that myself.
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    PS employee, should I overpay AVC's?

    Hi folks, looking for some adcice. I am a 38 year old PS employee in the PS 14 years now, so on the pre 2013 pension scheme. My house is paid off and I've no debts so I've extra cash now that I want to put to good use. I plan to retire at 60, which would leave me with 35/40 years service, so I...
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    Illegal Debt Collection for Customs Duty?

    I'm in a similar situation. What happened in the end OP?
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    To pay AVC or not?

    Thanks for the reply, that clarifies. I was under the impression that if I retired a few years short of my 40 years service, I could use the AVC to top to the value of the 40 years. Also, I thought if I put money into AVC's I would save the higher rate of tax now and on drawdown I would only...
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    To pay AVC or not?

    Looking for advice on whether it is worth my while paying into an AVC. In the public service since 2007, 36 years of age, so I should retire at 65 with a full pension. I don't have a mortgage and have extra cash every month. Current salary 45k. I would like the option of retiring early. Is it...
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    I have a PS pension. Can I or should I get a private pension to?

    I'm 33 years of age and have a pension with the public service, paying into it the last 9 years now and will allow me to retire at 67 with 40 years' service. I have my house paid for and have some spare cash every month that I've recently started putting into low cost ETFs. My question is...
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    23YO learning how to put money to work

    What did you end up doing in the end and why? I'm in a similar position and trying to figure out my options. Most likely will invest a few quid in the VANGUARD S&P 500 ETF through DeGiro.
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    LPT - solicitor overvalued house

    I cant find the letter from Revenue, but as I said it just said theres nothing that they can do. No legislation or reason was given. Think I may try send them another letter as I find it hard to believe they cant change my tax band and it is incorrect charging me at the higher rate.
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    LPT - solicitor overvalued house

    I bought my house in mid 2014. My solicitor said I had to pay half the property tax for 2014, which was grand and it had to be paid to her before I got the keys. So that was all paid and she sorted it out. A few months later I checked and noticed the property tax band I had paid in was for the...
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    P21 underpayment casued by IB?

    Thanks for the replies. Will ring Revenue in the morning and see what they say.
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    P21 underpayment casued by IB?

    Just got my P21 from Renenue, it says I have an underpayment of €560. I'm a public sector worker so usually its balanced, never had an underpayment before. All my tax credits are claimed. However last year I was on illness benefit for a 8 weeks, and this is maybe what has casued the...
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    UB Fixed term. Early withdrawal??

    I have some money in a 6month fixed term Ulster Bank account. Unfortuantly my circumstances have changed and I might need to access the money. Theres 3 months to run on the account. I can't find anything in the T&C, but does anyone know if early withdrawal is possible and if so what the penalty...
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    Switching credit card provider

    Cheers for the reply. I was thinking of just staying with the AIB Mastercard but there doesnt seem to be a way to pay the bill from my Ulster Bank current account. I rang Ulster Bank and they say I need a sort code and account number for my AIB credit card. I rang AIB card services and they say...
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    Switching credit card provider

    Im in the process of closing my AIB account as i don't want to pay the large fees. I have switched to Ulster Banks Ufirst account. I have a credit card with AIB, it looks like it will be a little awkward to pay it so im going to get a credit card through Ulster Bank instead. When I cancel my...
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    Where to move my deposits to?

    No I hadnt, but I may consider them. I'm in the process of setting up a Premier International Account with Lloyds. Its offshore, but I requested the Premier Interntional as it pays 0% interest meaning I won't have to do an income tax return. You also get a debit card with it. Although reviews...
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    Where to move my deposits to?

    Ok, after a bit of research, I think i will go with this: 20% in PTSB (already locked in there for the year, wish I had done my research before) 20% in KBC 20% in Investec 20% in Keytrade Belgium 20% in Lloyds UK (I currently have a sterling account with them, but may try get a premier...
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