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    Health Insurance Renewal 1 adult (Comm loading) + 2 kids

    Thanks so much snowyb I appreciate the reply
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    Health Insurance Renewal 1 adult (Comm loading) + 2 kids

    I've been doing some research Can I put the adult on precision 300 connect from laya and the kids on flex 125 explore? Laya won't quote me online without the kids and adult having the same plan but I wondered if the above was actually possible? Thanks
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    Health Insurance Renewal 1 adult (Comm loading) + 2 kids

    Hi, I've got 1 adult on VHI plan 250 (community loading applicable at 22%) and 2 kids (aged 5 and 10) on One Plan Extra I see in other posts that Laya have a deal where you pay for just one child with an adult Are there equivalent plans with Laya, (or am I doing just as good with VHI?) The...
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    Claim back eworker expenses

    Ah ok. Got it thanks that article I read was way off so. Cheers Thanks for getting back to me much appreciated
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    Claim back eworker expenses

    Thanks I also read that but wasn't sure what my next step was. Do I need to ask them to change something when doing payroll? As in it doesn't get sent through as a tax credit, they've to actually do something specific to cater for it? If this is going to be a hassle for someone then they won't...
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    Claim back eworker expenses

    Hi all, I saw an article lately about the fact that an eworker can be given 3.20 from an employer without them incurring PAYE or USC I've been an eworker (2 days a week remotely) for almost 5 years now , I was wondering is this something I can claim for and if so how do I go about it? I had a...
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    VHI Best plan with community loading?

    Thanks so much snowyb, I'll take a look now I really appreciate the replies you saved me a fortune last year - so thank you
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    VHI Best plan with community loading?

    Just to give further clarification on this it's really the kids plans - are there are cheaper alternatives? one Plan extra was 50% off last year, but isn't this year and my husband's plan - is there cheaper (other than with 500eur excess) or should I go with what I've got? Sorry if i wasn't...
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    VHI Best plan with community loading?

    Hi there, Following excellent advice on here, I went with One Plan 250 for my other half who is getting hit with community loading :( Is it still the best plan to go with, I'm mindful of the excess. I know if it went to 500eur he'd never pay it for himself so that's why I went with 250. We...
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    VHI Waived waiting periods

    Thanks so much Snowyb I really appreciate you taking the time to get back to me! It really is a minefield. I was trying to compare on HIA myself and I was getting completely bogged down on the level of cover being offered versus what he actually needs. Thanks again!
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    VHI Waived waiting periods

    And I assume the best course of action for my husband is to keep the current level of cover and just take up a cheaper plan with more excess. ie dropping down to a lower level of cover wouldn't be advisable? Are you better to keep it once you've got it (if you know what I mean).
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    VHI Waived waiting periods

    Sorry I didn't see this until now - Thanks so much snowyb. I definitely need to make my husband's plan lower so we can afford the community rating on top of it. I've one kid under 6 (she's 3 this year) and one aged 8 this year. So makes sense to have day to day on the older one. That said they...
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    VHI Waived waiting periods

    Thanks so much for that I really appreciate it. And assuming he can't retain the waiver for a different plan (the company is only supporting plan PMI 08 11) is it worth moving to a cheaper plan anyway or should I just give up the hope of keeping him on PHI now that he's incurring community...
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    Making a European small claim

    Ok. But my understanding is that the court does have jurisdiction - maybe I'm wrong. "You must then lodge it with the Registrar in your local District Court office." This is what I did. And Portlaoise is clearly listed as a court with jurisdiction, see screen shot. Am I missing something really...
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    Making a European small claim

    Hi, I was wondering could someone help me, under advice from the ECC I've decided to pursue a European small claim. I went to courts.ie and found the closest court to me that it says deals with this, this being Portlaoise court offices. Before Christmas, I took time off work and I went in and...
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    VHI Waived waiting periods

    It's the first of Feb. Thanks
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    VHI Waived waiting periods

    Hi, I put my husband on VHI for the first time last year, he's now aged 45. The plan offered to us in work waived all waiting periods so I thought it was a good time to put him on (PMI 08 11). Only problem is he's being hit by Lifetime Community loadings Would I be right in thinking if I...
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    Pension & rental property

    Hi there! We have a rental property that's holding it's own at the moment ie the rent is just about covering the mortgage (interest + capital) & expenses/tax. I met someone at the weekend and we got talking and they said "you should put your apartment into a pension" I've been reading...
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    Interest Only after paying extra?

    it's relevant to us ... I'm not going to say that to the bank. I'm just giving you our reasons for wanting to go interest only for a period of time. Speaking honestly we are really regretting paying the extra off. We broke our backs trying to do it at the time, thinking we were doing good...
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    Interest Only after paying extra?

    Yeah but we're not going interest only and then extending the term of the mortgage. We are going interest only only to the point where we bring the loan back to the original terms of our agreement We just need a bit of breathing space plus given the house is now worth less than half of what...
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