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As a teacher my pension will have two parts 1. State Contributory and 2. Teachers pension. I understand I can work as a substitute teacher and claim the contributory pension but that I go back to the first point of the pay scale. I it possible to claim the contributory pension at 66 without...

Thank you for the all those helpful replies.

Is it worth having a lease these days - is the registration with the PRTB enough protection for tennant and landlord?

If a HAP tennant does not/can not pay their means tested amount to the council. The council stops paying the landlord anything at all!! Its a bad contract for the landlord to be forced to take a financially vulnerable tennant. Absolutely crazy.

If there is enough capacity its worth doing power of attorney. I believe every one should make a living will/power of attorney. We were managing finances with joint name and online banking for a number of years due to advancing dementia. A serious issue arose for us when a private nursing home...

I have silver granite slabs on patio. I've powerhosed a few times but I can't seem to get the sparkle back they were gorgeous when they went down reflecting the light. Just look like gray paving slabs - any suggestions for this?

Spend as much as u can even if u have to stretch or wait. If u get it right it will last forever. Highly recommend drawer units for undercounter and a tall press with pull out drawers at that level and shelves above.

The HAP contract needs to be legally challenged. Its not right that landlords are legally obliged to sign what is essentially a bad contract. A tenant on HAP is financially vulnerable and they are forcing that risk on private landlords. There should be two separate contracts one between the...

The electric control panel/switch is working

Gas boiler bosch about 3 years old not working. It got water damaged from burst water pipes in attic directly above it. What's the best option repair or replace. Any advice please?

re means test for SUSI. My annual income indicates that my daughter would be entitled to the SUSI grant. However a lump sum payment from a pension at 60 is included in the means test for that year. It seems unfair as revenue do not tax pension lump sums below 200,000 that it should be included...

Thank you Early Riser

This is still niggling at me. I am afraid to stick my head above the parapet just yet as I suspect I might have the abatement issue. Fore warned is fore armed, I don't want to be unreasonable just want to fight my corner so to speak. By my logic I accrued a defined benefit pension over approx...

Oh thank you Early Riser. I think I will be OK then. With all the different pension schemes and the cross over between private, public and semi-state it is indeed confusing. Thanks again.

If the pension that I was told I could not defer now has to be left will in accrue more in value - that would be something at least

Another point to add to the above. My contract on the DB pension job requires me to draw down at 60. When I started work there that was the age people retired at. It can not be deferred beyond 60. If I do draw it down at 60 and I loose the annual pension amount due to abatement and my current...

I can see this has been discussed but I am still confused or at best struggling to believe it as it could spell bad news for me. I worked in semi state for 15 years and have a preserved DB pension to draw down this year at 60. I worked in the private sector for a few years and then took up a...

Thank you for replies will check out details of the school cover and see where to go from there. Thanks again much appreciated

Is it advisable to take personal accident insurance for children - if for example they are doing horse riding/scuba diving/surfing. Have the regular health insurance with Laya. Just wondering is that enough in the event of a serious accident. Any advice appreciated. Thanks.

Was planning to get a free standing balanced flu gas stove but am shocked at the price. Stove cost 2500 flu 1,000 and the fitting 1000 + vat which brings it up to 5000! That's buy and fitting the stove with same supplier I could digest the price of the stove but the flu and the fitting seems...