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You'd think they'd contact via email also rather than just letter. I was a EI customer last year but have since moved, they don't have my current address, so would have no way to know where to post a letter. I've contacted them to try to find out if I'm affected but haven't heard back yet.

Thanks for clarifying that, seems a pretty unfair rule.

I participate in an ESPP scheme at work, contributing 20% of my income that's used to buy company stock at a 15% discount every 6 months. I always do a quicksale where the stock is sold as soon as possible after its purchased (and pay my marginal rate on the 15% discount), but even doing this...

Has anyone successfully withdrawn money back out of Advanzia and received the monthly interest etc? They say the minimum deposit is 5k, I'm hesitant to risk 5k to an entity who's online operation seems so amateurish and out-dated.

Revolut's exchange rate is "live", its constantly changing, whereas Wise's is set for X hours, so it may sometimes be better. Generally though doing the exchange with Revolut will result in more money in your pocket. Looking right now, I need to change 11k USD to Euro, Revolut is giving me...

Better rates, not a massive difference think it works out currently at of saving of roughly 160 euro per 10k USD exchanged. This is of course only if you pay for Revolut Premium (or the exchange amounts are less than 1000)

I used to transfer directly from etrade to Revolut and it worked great, but it doesn't work since we got the Irish IBANs, and I haven't tried using the intermediary route. Going to try the following: - Etrade to Wise USD acc. - Get a Wise virtual debit card and use that to load the money in...

Buxfer works well, for a small monthly subscription

Anyone have problems registering for the online banking? Keeps telling me the credentials used to register aren't correct, though I've reset the password several times and am 100% it and the account number are correct.

Seems odd that a VW Polo is more expensive to insure than a Passat or an Audi A4, with the latter being more expensive cars with typically much larger engine sizes.

It'd be no harm to approach a bank to see what level of mortgage you could get to enable you to plan accordingly. A lot of people seem to be assuming you'd get 4x your income due to the new central bank rules, but you'd also have to pass the bank you're borrowing from's stress test. If your...

Why not keep a 10-15k emergency fund, pay the rest of the savings off the PPR, then if you sell the investment property you should have another 40-50k on hand to either pay another lump sum off the PPR or, more likely, to use for kids education.

Good to hear they gave you a good will payment. With Raisin do you get account statements etc through them, or directly with the underlying bank?

They are often left only lightly tacked on by the builder in new estates, to allow the home buyer to easily remove and reinstall them when getting their floors put in.

Can anyone recommend a good mortgage broker for non-straight forward cases? For example being good at making the best case for the client to get an LTI exemption when things like stock/RSUs & bonuses are in the mix, and one partner in the couple temporarily not being permanent due to moving to...

Yes there's default values for everything they can't verify with invoices. For example, there's different default values for single glazed, double, triple etc, along with different defaults for the u value of the house walls based on the year it was built and the type of construction (different...

It'd be interesting to compare this breakdown with a country with low mortgage rates like Germany or Portugal. I'm assuming the biggest differences between them and the Irish rates are in the capital and impairment charges. Those alone wouldn't make up the full difference in rates though...

Thanks, I was told the same at the start of the year, was wondering was that still the policy.

Anyone know if Avant are still not doing any LTI exemptions?

I assume there's no cash back with this?