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Hi all, I would love if anyone could advise me on which policy to take out. Married couple, both early 40s, no kids, no plans to have any Relatively healthy, non smokers One of us had multiple surgeries 7ish years ago and continues to have ongoing issues around that. Regular psychotherapy...

Hi All, I have a personal phone. I will need now to be contacted occasionally for work and don't want that coming through my personal phone. I need a SIM only PAYG account which will use very little credit for calls/texts. No data required. Does anyone know the most economical way to do this...

Thank you yes I got a quote but I am slow to do it as I don't know if I will stay in my current job until retirement so this puts me off as I don't know if it would still be of benefit.

Oh! I really don't know about pensions which is why I'm trying educate myself and plan now. That €25k would be gross too subject to income tax right?

My salary is about €45k max point on the scale is €59k (at the moment) My aim is just that I can have a nice lifestyle when I'm older being able to travel and if I have to pay for a home/healthcare etc. I'm not worried about leaving anything in my will :p If the state pension was gone it would...

Thanks my LTV ratio is 70% ish. I am looking into getting a rate of 3.1%. I thought if you invest in PRSAs etc when you're younger it's better than waiting til the mortgage is paid off?

Yes it is an emergency fund. I am currently saving about €300 p.m. into it so I could redirect that to a PRSA/investment and keep the €15k in cash

Hi All, I'm a 39 y.o. civil servant. I must contribute to my Gov pension but at 65 I will have 35 years of service instead of 40. Before I got my civil service job I had two roles in the private sector both with mandatory pensions. One was transferred to a Zurich Life PRSA current value circa...

The problem is that there were chunks of withdrawals and deposits from a variety of accounts so what would they take as the initial amount on deposit? The initial or closing amount? The avg of initial & closing? The greatest/ least balance. They were all on demand accounts so it wasn't a lump sum.

Hello all, I recently bought a house and I had saved my deposit over the past while and moved my money around a lot chasing interest rates. Is there a standard way to get a DIRT statement from banks or how do I request them? I think it's going to be difficult to calculate because of the...

€140k over 30 years

Hello all I'm just wondering given current fuel prices of gas is still the more economical option? Thanks

To be honest no policy is what I want but it was a condition of drawing down the mortgage. LTV is 70% and repayments are reasonable. Worst case scenario I'd get a housemate. I would have been interested in income protection but I found the life cover application so OTT & intrusive I'll put that...

I don't really care about the payout though because if they are paying out it means I'm dead!! I have no income protection or critical illness cover just mortgage protection. If I disclose all information to another company I'm sure they will cover me for a similar price. My question is will...

Hi All, I've recently taken out a mortgage and I had trouble getting life cover. i've had some health problems and the general consensus is that I was too honest in the life policy questionnaire. I have no dependents and no desire to acquire any, so actual cover on death doesn't worry me. My...

Oh thank you! I didn't catch that part.

Hello, Thank you for your reply. I've been reading up on fixed vs variable mortgages and I could withstand some interest rate increases so I might go for the variable and overpay to the cost of the fixed repayments for now. I've been looking at the calculators and see the best deal for...

Hi All, I would appreciate people's views on current mortgage options. I am buying at house €175k and I need an 80% LTV loan for €140k I have job stability, no loans, savings etc so I do not think approval is an issue but I am looking for the best deal. BOI will offer 4.5% variable APR and pay...