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Raisin referral please

Hi Brendan, Sorry to jump in on your response to AlmostThere. I also have a renewal in Laya Control 600 Connect coming up at year-end and indeed it has gone up in price from Eur955 to Eur984. Nonetheless it does appear to be an attractive plan for the reasons outline by Snowy and yourself...

OK MrEarl, you're on! If I'm wrong, at least I can enjoy watching Tesco wiping a good smattering of egg from their faces, after their web statement on the matter.

Yes, that omission from Tesco's letter seems strange. I'm thinking that Avantcard may offer this "rewards scheme" to all their customers, but want to launch with appropriate publicity. Avantcard need this promotion to compete with similar rewards schemes from competitors' credit cards - PTSB...

Dare I say it, but I suspect there is an element of certain banks using these mechanisms to protect their deposit bases here. The lower the bank's online transfer limit, the longer it takes for depositors to flee in times of turmoil. The weaker the bank, the lower will be its transfer limit; BOI...

If I'm not mistaken, there's another limitation, which relates to the tax relief obtainable. Presumably you're on the top rate of tax (41%) and wish to get relief at the top rate for your full additional contribution. This depends on the amount by which the person' or couple's taxable income...

Yes, this was standard practice for some "professional" grades in the Civil Service. In fact, the entitlement was known as Professional Added Years. It's availability was based on the concept that the Service wished to employ persons with extra years of training or experience. Sometime the...

Excellent post Verbatim! Really throws some light on the product for those amateurs among us!

If you've used up your 25% tax-free allocation, and still want to pay more into yr pension, you could make use of the Governments SSIA-to-pension scheme, this year or next (depending on when yr SSIA matures).

You're right, those fees are a rip-off. You'll probably find if you checked that Cornmarket have monopoly rights through an arrangement agreed by your union with your employer. Then for every client Cornmarket gets, your union gets paid a fee (essentially a kick-back). The whole system stinks...

Laila I presume that most of your salary reduction of 60% came about due to your working part-time and a smaller proportion due to your lower grade. It seems to me to be unfair to have to take a double-hit on the part-time work element. As a part-time employee, for each calender year, your...

Conor Mc; Good point; If your pension contributions are already maxed out for tax relief, then this SSIA Incentive Scheme appears to allow you to up your fund by another 10k while still getting some benefit from the Exchequer. For example a person approaching retirement age with an...