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  1. M

    Laya Flex 250 Plus alternatives

    Hi, Can anyone suggest an alternative to the Flex 250 plus plan with a child also (under 3)? Thanks
  2. M

    Paying off portion of fixed mortgage - Penalty fees with different banks

    Thank you all again for the useful and helpful suggestions here, much appreicated. The split mortgage idea sounds like it might have potential for me in this case. The timing around any potential lump sum will be uncertain.
  3. M

    Paying off portion of fixed mortgage - Penalty fees with different banks

    Thank you both for pointing me in the right direction on this.
  4. M

    Paying off portion of fixed mortgage - Penalty fees with different banks

    I'm currently looking at switching away from EBS at a 3% fixed rate which has come to an end now. This would be for a >80% <90% LTV mortgage. I'm looking to get a fixed rate for a period of 4-5 years. The two best rates I can get are Ulster Bank and KBC. Later in the year I may have a lump...
  5. M

    Simply Connect Plus alternatives

    Hi, Could anyone advise what might be a suitable alternative to the Simply Connect Plus policy from Laya for a single adult with no pre-existing conditions. Coverage for the Mater Private would be particularly useful for geographic reasons.
  6. M

    Ulster Bank Tracker/Home Mover after moving

    Hi Brendan, Thanks for taking the time to reply to this. I had been told by a mortgage broker at one point that only negative equity properties were valid for the tracker mover so I had discounted it as an option as there should be positive equity in my original property at this point. I...
  7. M

    Ulster Bank Tracker/Home Mover after moving

    I'm wondering if anyone has tried to remortgage a property using Ulster banks Tracker mover? In my own case I have an existing UB tracker mortgage for my current home. I am in the process of buying a new home with a different bank. I am considering selling the existing property instead of...
  8. M

    Savings account for newborn

    Thanks to both of you for your suggestions. The regular saver I'll take a look at the best buys and see. I wondered if there were any particular products suited to longer term saving in relatively small amounts that had a reasonable return over longer time periods. I do like the idea of the...
  9. M

    Savings account for newborn

    I have received sums of money from relatives for my newborn son and I'd like to start off saving for him and topping this up with a monthly contribution over the years to come. Could anyone advise what approach to take given how poor savings returns are at the moment. I had thought perhaps of...
  10. M

    Laya Laya Healthcare Simply Connect Plus alternatives

    Hi Snowyb. Apologies for the late reply to this. Thank you for your advice on this.
  11. M

    Laya Laya Healthcare Simply Connect Plus alternatives

    Hi, Could anyone suggest an alternative to this plan - [broken link removed] connect plus? I was taking a look at the Laya Simplicity and VHI plans (I've linked to HIA view of these) PMI 44 16 / PMI 43 16 The VHI plans were referenced in a previous thread here This is for a single adult...
  12. M

    KBC - Deliberately Restricting Online Functionality of Deposit Accounts

    They told me this back in December. I noticed that my Smart Access Demand account stopped me transferring money out of the account to my current account with a different bank. Which had worked only a week beforehand. They then claimed it wasn't possible when I pointed out that I had done just...
  13. M

    Better Advantage

    Thanks, SnowyB for the analysis and suggestions, very much appreciated.
  14. M

    Better Advantage

    My health insurance renewal is up on the 12th Jan 2016. I've been looking about to see whether to renew the current plan (Glohealth Better Advantage) or to look for something with better value. Glohealth tried to tell me their better active plan is the same plan but cheaper than Better...
  15. M

    Hibernian Health Insurance €160 levy

    Thats interesting given their recent "sale" prices. I wonder does it apply to anyone switching over to them on their current promotion?
  16. M

    CGT - Profit on sale of house

    I was asked a CGT question by an aquaintance earlier. He is selling a house (not his primary dwelling) to his son. He will actually be making a profit on this sale even though he has knocked something off the price of the house for the sake of his son (5-10% of the market value). What he...
  17. M

    Amending PRSI details for previous years - Problem

    Thats what I was informed by SW, that they can only view data not modify it. Which does of course make sense. The problem is that the P.35 person I spoke to kept saying it was up to SW to make this change to PRSI status even thought she had a record of the amended payment in the system. I'm...
  18. M

    Amending PRSI details for previous years - Problem

    I'm not sure if this is a tax or welfare question but please move it as needs be. I am wondering who has the responsibility to update a PRSI record for an employee the revenue or the social welfare? I have had a problem where the incorrect prsi was paid on one of my previous employments...
  19. M

    Life Insurance policy - Claim hospital benefit?

    Thanks for both your help with this, particularly the possibility of claiming for the full period in hospital. I must check on it. The policy has been in effect now for 10 years so I can only assume its well beyond any exclusions.
  20. M

    Life Insurance policy - Claim hospital benefit?

    I have a life/serious illness insurance policy that was set up several years ago. I recieved an up to date statement of the benefits of the policy yesterday. One of the benefits on it is to be paid a fixed sum per day for each days stay in hospital (first 3 days excluded). I am wondering if...
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