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    Means test for qualified adult contributory pension

    My quite elderly grandmother has received a letter informing her that her entitlement to an allowance as a qualified adult in the contributory pension is after 22 years to be means tested. Their circumstances mean they will not satisfy the means test and lose €178 per week off their pension...
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    Separating from wife, looking for advice on housing

    She has a right to stay in the family home until the kids reach 18. I would first get a legal separation then look at buying your own place, you want to prevent her having claim to half both houses.
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    Health Insurance Health insurance after living abroad

    Age 32 Have had Health Insurance all my life. Have ongoing medical condition i am considering going to Australia for a few years and trying to figure out what would be the picture for restarting Health Insurance when I come back to Ireland . Lifetime community rating is my main worry. Also...
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    AIB Online Debit Card authentication

    That’s just an example
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    AIB Online Debit Card authentication

    My elderly grandparents don’t have online banking (AIB) but I recently tried to pay their car tax from my laptop using their debit card but it appears you need the App to authenticate online payments Is there any way around this? I’m sure there are a good number of older people in this position...
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    Best no risk deposit

    I had about €30k in various deposit accounts and around €15k in an investment account which lost 10 percent of its value when the Ukraine war happened
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    Key Post Which is the best current account for a personal customer?

    Been with PTSB for many years. I is quite difficult to get through to a human on the phine but a flat fee of €1 per month keeps me with them
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    Best no risk deposit

    Can you continiously add to your State Savings investment or are you tied to your initial investment? I lost a fairly significant amount on shares so like the OP am reluctant to risk getting burnt again
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    Life interest in property, when does inheritance take place?

    I would say on the wife’s death but you need to get proper professional advice
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    Travel insurance age 85

    VHI Multitrip wont cover someone over 80 in America, they would in Europe others will quote but won’t cover any pre existing health issues which isn’t an option in the US. The best we have so far is €440 each with Laya and they will cover pre existing conditions as long a you have private...
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    Travel insurance age 85

    Trying to get travel insurance for my fit and well 85 year old grandparents to visit family in the US and it’s proving very difficult. They have private medical insurance but they won’t cover someone over 80 in the US. A few others I’ve tried will quote but won’t cover pre existing conditions...
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    ptsb increases deposit interest rates

    Have €55k to put somewhere from KBC but a bit put off by the need to do a tax return with raisin
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    Taxation of Redundancy Payment

    I’m wondering how this works? I’ve calculated approx €9k of my severance package is taxable but is it seen as income for that month in which case I would pay 40% tax on it? Do I have to wait until the end of the year to reclaim any overpayment, I very much suspect if it was taxed at 40% there...
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    What’s a typical credit card limit?

    Mine is €1500 with Avant. They refused a recent request to increase to €2000
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    Advice on Next Steps after Forever Home Purchase

    I wonder though if the arrival of the third child necessitates a larger car meaning it can’t be put off for too long?
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    May be about to go into arrears on family home; two BTLs

    I don’t think you have msny options other than to sell the PPR. That level of debt in your position is not sustainable. im not sure how the OP has ended up with such little equity? The only other drastic option is to rent it out while in turn renting a more modest home and accelerating mortgage...
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    Inheritance from parents whilst on state welfare, is income affected?

    If you have been in Disbikity long term I suggeat you look into Invalidity because it’s not means tested. On the issue in question, I am aware of a couple who had a dependant adult child and both died without making a will. The family agreed that the sum of their estate would be used to...
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    Repossession of PPR

    A property near me has recently been repossessed by the bank. The family were in difficulty going back some time but I understood there was legislation brought in some years back that the family home was protected in Bankruptcy proceedings? Or is it if there are no dependant children this changes?
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    Prize Bond vs 5 Year Fixed State bond

    Looking at the 4 year National Solidarity Bond or perhaps 3 year certs . I don’t need the bulk of it immediately. Pending things going good at work it’s a house deposit one day I guess. on the last point I got burnt in an investment so I am reluctant to take a risk again after this
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    Prize Bond vs 5 Year Fixed State bond

    I have €50,000 in KBC that I need to put somewhere. Would the majority in a 4 year bind with some more between prose binds and a deposit account be a good choice? Have recently had an investment mature at a 15% loan so reluctant to go that road hsving been burned
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