You have 2 issues here.
1. Does your fathers condition per exist joining any health insurance company? It doesn't have to be 10 years with Vhi. If his condition for which he had surgery in March 2009 was present in Dec 2008 then it is preexisting. In reality very few conditions develop in 3...
The big issue ignored in your figures is that they are just for the first year. After that on average the rent will increase by the rate of inflation yet as the mortgage is repaid the interest due goes down
Snowyb, do you mind me asking but are you affiliated in any way to Laya or get any special commission from them. I don't mind if you are it just seems in the majority of cases where you discuss plans you come out most in favour of Laya.
You had a pre-existing condition and Aviva shouldn't have paid out. Are you absolutely positive they said they would cover your operation prior to having it done not just something like saying your plan covers the procedure. To be honest I would be worried. The fact that they have paid out so...
In fairness you are describing a different scenario. I was responding to the posters wish to be referred to A&E and avoid A&E charges. I was trying to point out, that while being referred by his GP would avoid the ED charge he would not necessarily get an xray done. I did say that the A&E doctor...
GP refers to A&E if it is an accident or an emergency. Hospital doctor decides what investigations are required. Even if GP feels an X-ray is required the hospital doctor may not so you may not get your X-ray. If condition is neither an accident or an emergency then the correct action for the...
Most things in Ireland are free e.g. All out patients appointments, all pathology tests, all radiology and all Emergency Department attendances where you are referred by a GP. If you require admission to hospital you pay €75 a night up to a maximum of €750 per family per year. This is then tax...
Just flush his money down the toilet it will save time. If he is not happy with his GP go to a different GP. What will the Mater Check do that his GP won't. This is a serious question. He should know exactly what test he hopes to have done that his GP hasn't done, what is the rationale for that...
Selling in 2-3 years time means you should only calculate the savings over the 2-3 year term not the term of the mortgage.
You are right the tracker will not stay at this rate forever but it will stay at 0.75% over ECB rate forever (or for as long as your mortgage term). A new mortgage will...
I think this shows the basis of Brendans comments about brokers and backs up serotoninsid's comments that commision can sway a broker. Aviva give commision to Cornmarket if you join then. Quinn & VHI don't. These sort of anectdotes have convinced me never to trust a broker
Sorry if this is a stupid question. I am self employed. I am paying the maximum amount (percentage of income) into my pension for 2012 via monthly direct debit. However, for 2011 I did not pay the max into the PRSA. I now want to pay extra into the fund and declare it against my tax liability...
Why would it make a difference if you were in negative equity or not? Seems pretty irrelevant to me. It is either a good deal for you or not. Negative equity or not does not make a blind bit of difference
To be honest these screening things are a total rip off. €500 is a total joke. A GP will do all this for you for about €100 (many will do it for a standard consultation fee). Make sure you contact your doctor first to make a double appointment. If a problem is discovered you may have to make a...
Just an updated question on cosmetic surgery. A friend had a nose job done in Mater Private. The main reason for doing it was cosmetic. However she suffers from a lot of sinus problems and surgeon said proceedure may improve it. As the main reason was cosmetic and not medical does that mean she...