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  1. R

    AVC Query - does the AVC limited apply to gross or net income?

    Ok so even more room to increase. I guess the easy way to calculate this without converting the percentages is to subtract my employee contribution of 6% from the 25% limit and therefore I can make AVC of 19% of 115k (max gross salary for relief purposes) Works out 1820 per month max AVC Most...
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    AVC Query - does the AVC limited apply to gross or net income?

    Does employer contribution not count? If it does then my 1000 AVC is nearing the max as it leaves approx 14000k per year and Im adding 12k in AVC
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    Transport for London Charges

    I had a ticket for a one way journey as I dont use the underground often I was not registered nor was my card. I would understand if i was registered with TFL and had my bank card registered to my account. I just dont get how a company without my consent can hit my card especially when I didnt...
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    Transport for London Charges

    I didnt tap it. The card was in my wallet. I had no reason to use it as i had my ticket purchased. For some unknown reason TFL scanned my card at some point in the journey (likely on my way out of the Tube). Surely this is illegal.
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    Transport for London Charges

    I recently travelled on the Heathrow Express in London. I bought a return ticket using my works corporate AMEX card. However when i returned from the trip I noticed a 25 pound charge on my personal bank card. I contacted TFL who advised me to create an account in their system and register for...
  6. R

    Should we re-fix with KBC at 2.4% or switch to another lender?

    Same situation as us. I fixed for 5 years with KBC at same rate. Also overpaying to reduce term for the 12 months before reviewing again.
  7. R

    Early Termination Penalties

    I didnt receive anything.
  8. R

    Early Termination Penalties

    I got my welcome email on sep 7th..one day past the date by which my FG contract was up. Assumed my start date would be the 7th.
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    Early Termination Penalties

    Just wanted to share to anyone who is planning to switch provider to be very careful not to switch before the min term is up. I recently switched from Flogas to Electric Ireland. I singed up via Bonkers on Aug 31st and my contract with FG was up on Sep 6th. I assumed it would take a week or so...
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    Out of contract - which energy provider is best?

    Signed up this week to switch from Flogas (bills were 2.5x more expensive in the 12 months I stayed with them) to SSE but will be cancelling that application given their upcoming increase. I realise others may follow suit but Ill need to check bonkers to see which is best at that point of time.
  11. R

    Out of contract - which energy provider is best?

    you will when you see their latest announcement
  12. R

    Spanish Update/Covid Travel Requirements.

    Anyone checking in online on ryanair will still see a section asking for covid documents but as per above it is no longer required for EU citizens.
  13. R

    "KBC mortgage holders should switch to another lender before it is acquired by Bank of Ireland."

    Ok that makes sense. I just re-fixed with KBC for 5 years. So it sounds like that wont change on day 1 with BOI which is what I thought Brendan was alluding to. Its a concern for anyone whose FR comes to end on Day 1 or later assuming they did not re-fix in.
  14. R

    "KBC mortgage holders should switch to another lender before it is acquired by Bank of Ireland."

    Brendan, can you clarify a little more "It would cost them a full 0.7% extra" Surely if the customer re-fixes at the same rate today then BOI will honor that and their fixed rate remains at 2.3% for the next 3 years. Surely BOI cannot simply move the customer onto 3%. They would have to honour...
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    Key Post Switch or re-fix my mortgage? Breakage fee calculator and savings estimates for your case (Ireland)

    Update: Re-fixed with KBC for 3 years. Just a simple form to complete with no valuation. Betting on the ability to switch from BOI in 3 years time if there FR and/or variables are too high. Avant rates could at that time be the same as today, lower or higher of course. no matter how times I...
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    Storage Container Companies

    Looking to buy a 40ft SC to use for storage and small office space. Anyone know of this company [broken link removed] They want payment up front.
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    Key Post Switch or re-fix my mortgage? Breakage fee calculator and savings estimates for your case (Ireland)

    Current lender: KBC Outstanding mortgage balance (how much you still owe): 247K Approximate value of your property: 450K The date you started your fixed-rate mortgage (month and year) Nov 2020 How many years you fixed for: 2 Your current mortgage interest rate: 2.3% (includes current account...
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    Travel Requirements for minor

    Thank you. Assume irish government have same rules i.e travelling from Uk to Ireland. I dont want to be surprised on the return leg as my son doesnt have any covid docs as he is unvaccinated :)
  19. R

    Travel Requirements for minor

    Thank you. Yes it was the app that was throwing me. I have the boarding passes but it is suggesting I had to upload covid docs. So if this is inaccurate then we are good. Assume it is the same coming back to Ireland. Thanks for the response.
  20. R

    Travel Requirements for minor

    I am due to travel from Dublin to Manchester with Ryanair in a weeks time with my 8 year old son who is unvaccinated. I am vaccinated but I am trying to identify what I need for my son to travel into the Uk returning to Ireland after a 1 day stay. DFA seems to suggest no testing required between...
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