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Articles in the London Times both both this week and last week refer to "secret" activities by Ulster Bank going back over several years that have adversely impacted on customers on each side of the border in Ireland. Fraud is alleged. I have never been an a customer of this bank and I don't...

I am not sure about that. As Mrs B is only 43 now I think it is the Home Caring Periods Scheme which is relevant, as linked by @RedOnion above. You apply for this when approaching State Pension Age: "You may apply for HomeCaring Periods six months prior to reaching pension age"

They would need 39 paid contributions in the year of their 63rd birthday. See @S class at Post 12. Sorry for any confusion.

Electrolux have one interesting tip to avoid the shattered glass problem: Avoid knocks on the door, especially on the sides of the pains when removing to clean. https://www.electrolux.ie/support/support-articles/cooking/ovens/oven-glass-shattered/

I agree but as it is out of warranty there is little to no chance of getting a replacement or refund. There is a good argument for free glass replacement but no guarantee of it. The onus is on the customer to argue (or establish) that it was due to a defect in the product at the time of purchase...

Indeed. I don't think I'd be brave enough to present the evidence in court!

@Sue Ellen quoted: Under Irish law, consumers have up to six years to seek redress for faulty or defective items (both new and second-hand). That is very different to saying that products have a "consumer warranty" for 6 years. It all depends on the product and its reasonably expected use...

You are probably right in that. But note that wage growth is more than wage inflation. It includes increments and promotions as well. The prospects here will vary a lot individually and by sector. If prospects seem limited then the periodic approach seems much more attractive. The other thing...

I don't know the actuarial calculations. But for me it would depend on what I wanted to achieve. If it was to maximize the guaranteed lifetime annuity for self and surviving spouse I would go with notional service. If it was to maximize any shortfall in the tax free lump sum and then have...

Given wage inflation, increments and possible promotions it is very likely that the periodic deductions will accumulate to at least the equivalent of the lump sum.

Probably because the lump sum is fixed but the periodic deduction is linked to pay: "As indicated above, an officer may opt to purchase service by reference to age 60 or 65, as appropriate (age 65 only in the case of ‘new entrants’) and by either (a) periodic deductions from salary commencing...

What dat? Or do you mean consumer rights? https://www.citizensinformation.ie/en/consumer/shopping/rights-when-buying-in-a-shop/ As opposed to...

If you run a search for "electric vehicle charger review uk 2023" you should find multiple sites offering their top 5 or 10, with appraisals, pros and cons, etc. I assume most of the models are also available here.

A manufacturer's warranty is different from (and in addition to) your consumer rights with the retailer. The warranty can be more extensive than consumer rights or less extensive. However, it is frequently more extensive but time limited. For higher end appliances (including cookers, shower...

Absolutely. No more dishonest but operating online leaves it easier to exercise the dishonesty. Disinhibition like with social media.

But who is the contractor working for? Who pays?

By duct from the junction box? Did Eir do the ducting?

They have done dozens of estates in Galway this way. They bring it into a central point underground (presumably also used for ESB purposes) then bring it underground to a house on either side. From there it is across from house to house around the estate. In some of the larger estates there is...

Boys will always be boys!

Unless they are on Class A PRSI?