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Hi, I have a smart meter, my meter is configured as a smart meter, and I am on a Smart Meter Plan. I would like to switch to a supplier that has a 'classic' nightsaver meter plan, as I believe it will be cheaper for me. As my meter is a smart meter, clearly, it is capable of reporting my day...

Deeds storage (e.g. https://www.deeds.ie/) costs 40 euro per year, but it will also be some admin hassle to setup etc., Can I leave say a 200 euro balance on my mortgage, and have it paid off at the original term to benefit from the deeds storage? I think I remeber someone saying that if the...

IMO, The interest rates seem to be rising and expected to rise further, some irish banks have not yet increased their rates. If you try to switch from UB, you risk that your destination bank will have increased the rate before you get there UB appear to have good value in their 5 & 2 year...

https://www.irishexaminer.com/news/spotlight/arid-40863371.html This is the summary Irish adults net worth distribution in us dollars Median 99k Mean 266k 5 percent >1 million 1 percent >2.6 million 2479 people >30 million 9 people >1 billion I've pulled out some quotes below

Any guesses?

I thought these worked examples from recent money makeover were very interesting and worth immortalizing in it's own thread in pension forum.

Hi, Are there any good Irish data sources I can use to predict a range for my life expectancy? Ideally as personalised as possible, i.e. based on my age, smoking, drinking, exercising etc. Maybe the CSO or some life assurance company or Irish actuary or statistics group? There are a few...

Hi, I'm looking to organise my annual utiliy switch of electricity and gas. I am with Bord Gais at the moment, but my great deal expires soon. Unfortunatley every other deal will be more expensive than my current deal, but the new best deal will be cheaper than Bord Gais default rates. I...

These are recommended in many us oriented personal finance books for some of your cash reserves. The theory is they provide more interest than a no notice bank account, but have low risk on capital, and quick access. It sounds like a good place to keep money that you don't want to take much...

You can go direct to Davy and sign up for a.75% AMC PRSA. If you go through a broker, can you get still get .75% AMC product ? and if so, how much (if any) commission would the broker get from Davy?

Accepting the reality that many (most?) Customers will not switch, maybe the advice should be dumbed down for most people to fix as long as they can with UB.

Given finite resources on Earth, (assuming inter planetary doesn't work out), doesn't eternel growth have to stop at some stage? It seems, that we think, consumers will buy more and more forever, and there will be more consumers forever. OK, we accept we can have temporary recessions, but...

Compuslory first registration was completed containing (leasehold) land and house (in an urban area). There is some land inside the garden walls which was not included in the title/registration, as the vendor did not have title. The garden walls are clearly there a long time. The vendor lived...

I know some folks have older offset products, but is there any offset mortgage product available today. Offset mortgage: the interest is charged on mortgage balance minus any funds in your bank account. In these low interest and changeable times it seems like a very interesting product.

Should UB customers look to fix for a longer period of time right now? Given most folks don't overcome the intertia to switch. From the table above 2 or 5 years at 2.2% seems to be the lowest rates on offer. If a wind down will take years, do we expect UB to remain competivie on mortgage rates...

https://isag.ie/deemed-disposable/

I am doing a CG payment, and I would like to submit my form at the same time. I only see a form for the 2019 year online. I am tempted to use the 2019 form, and replace the year eveywhere! But that is probably not a good idea!

I like to read all of AAM! And mostly consume via the unread posts. Which forums do I need to read manually to read all the content!

https://www.thejournal.ie/pensions-threshold-isme-5211616-Sep2020/

https://www.timelineapp.co/blog/bengens-4-rule-around-the-world/ Rare to see Irish case being studied like this! It tries to answer the question: How much can you sustainably take from your pension and not see it reach zero within 30 years? It would appear that 4% of your initial portfolio is...