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    BOSI tracker now with Pepper any discounts???

    Agreed 97% of value would strike me as a poor deal even on performing mortgages like mine. I would have expected Pepper would pay 70-80% of value.
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    BOSI tracker now with Pepper any discounts???

    Great question! Was pondering this myself. Have a ECB+ 0.55% tracker from BOSI going to Pepper too, never been an issue with late payment etc. We’re some of the lucky ones. Was hopping Pepper might want to make a quick turnover here on a loss leader mortgage. Under new GDPR guidelines would a...
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    Grandparent to Grandchild. Gift every year.

    Any grandparents out there want to adopt a 42 year old and gift me €3K per year?
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    claiming back tax on AVC

    Hi AidanK I assume you are 1. a regular PAYE worker with no other income 2. Have made an AVC to your occupational pension scheme in 2013 but want to apply it to 2012 to maximise the tax efficiency In this case you make the AVC to your pension company, they issue you with a receipt you must...
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    claiming back tax on AVC

    I think you're a little late. Should have made the declaration to revenue by October 31st to claim the 2012 relief. Now you can only claim the relief against 2013 earnings. Do it now and they'll update your tax credits and your November/December salary will benefit. Wait till December and...
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    Old pension from previous employment.

    Be careful. 1st check if you have a defined contribution (DC) scheme or a defined benefit scheme. (DB). A lot of DB schemes are underfunded. DC schemes are more generally performing or holding their own. Check your pension scheme and its admin. If its a well run DB scheme thats well funded...
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    Newer Will destroyed. Does earlier will kick in?

    Hi MF1 isnt there an inherent paradox in your last response? If the later will is destroyed its instruction revoking the earlier will is also destroyed. You can't have your cake and eat it too. Either all of the later will is valid or none. Its revoke clause cant be valid. So OP is...
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    AVC - Defined Benefit

    Hi Pugwall Yes you can top up your AVCs to the age related limits. As long as your contributions Employee (EE) and AVC dont breach these limits you are fine. Your DB scheme is 100% Employer (ER) funded.
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    AVC - Defined Benefit

    Appd that looks spot on. Remember you can make the contribution against 2012 earnings up to October 2013 and revenue will send you a refund for 2012. So if making an AVC make sure you max out 2012 relief 1st Cheers
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    Death In Service Insurance Payout

    Hi Dereko Yep we have advice on this and the process is underway. And yes this is the 1st time we've had this situation, last time we had a statement of wishes and the individual was single no kids and never been married. So very straight forward. Everything I read on the matter is very non...
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    Death In Service Insurance Payout

    Hi Folks I'm a trustee on the company DC pension scheme. The death in service insurance policy is also covered by the trustees. We have great advisors and a very good pension scheme set-up. So this is just to satisfy my own curiosity rather than any concerns I have. We have a case of a...
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    Can you contribute to two pensions concurrently?

    You may not contribute to an occupational pension scheme and a personal pension arrangement at the same time in relation to the same employment. However, you may make a personal pension arrangement in respect of earnings from another employment or from self-employment. From Citizen's...
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    Advice on mistakenly overvalued fund

    File a comlpaint with the trustees of the scheme through the complaints process (they should have one under pension board rules) outline your position and their mistake that has caused you to make poorly judged investment decisions. You may not get the additional funds you shouldnt have been...
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    Contribution to RAC and Work Pension

    Thanks for that. So now that he has been doing this for the last 9 years and is filling oout a form 12 for the 1st time since this came to light any suggestions on next steps?
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    Contribution to RAC and Work Pension

    Hi I have a colleague that has been contributing to RAC and to the company pension scheme for a number of years. Has he broken any rules in doing so? I would have thought as long as he didnt violate the maximums for his age bracket he could contribute to RACs and a works pension (DC scheme)...
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    Access to pension AVCs 'could boost economy by €1.8bn'

    They seem to be recycling that article now every few weeks. "Surely any such savings such as Pensions, AVC and PRSA's should be maintained and secured until time of retirement? " Thats a great arguement against the 0.6% levy too but that didn't stop them ransacking people's pensions.
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    Non Resident & CAT liability

    Double Taxation Agreement Surely Vanilla if there is a reciprocal tax agreement between ROI and OP's current location then only the difference between the 2 rates would apply?
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    LOss of Shift Payment

    I manage a team in a large multinational here in Ireland. Great employer with a good attitude to employees, pretty successful and they look after their staff which is 2 sides to the same coin. We've never had need of a union here. Historically, for at least 8 years, we have worked shiftwork...
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    What happens when a beneficiary in a will dies

    It will go to the dead siblings estate and should be dispearsed in accordance with their will. In the absence of a will then yes the dead sibling's children inherit
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    Inheritance and separation

    I thought there was a case 2 years back were a divorced spouse went back to the high court for a 2nd bite of the cherry. Similar case to the OP except there was a divorced granted. Judge declared that the 1st wife had substantially contributed to the circumstances that allowed for the husband to...
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