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    Shortfall on mortgage protection policy payout due to accrued interest during claims processing

    Thanks Brendan - that is a very interesting article, apparently ours was also held up at the stage where they were trying to locate the deed of assignment. I'd be very surprised if this was not the default scenario for unfortunate Pepper customers and many people are paying extra interest...
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    Shortfall on mortgage protection policy payout due to accrued interest during claims processing

    Thanks for the replies everybody, to answer some of the questions / points raised: * the delay in the processing was between the life company (Zurich) and the lender (Pepper), it took at least 6 months by the looks of it for Pepper to find the deed of assignment for Zurich * the policy here is...
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    Personal finance books recommendations?

    I highly recommend 'Smarter Investing: Simpler Decisions for Better Results' by Tim Hale. Excellent book with a lean towards index investing if that is your thing.
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    Shortfall on mortgage protection policy payout due to accrued interest during claims processing

    That's a fair point but in this situation the estate of the deceased is being charged interest during the time that the life company and the mortgage company exchange documents and whatever else is needed before settling the claim. So, the longer it takes them to settle the claim the higher the...
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    Shortfall on mortgage protection policy payout due to accrued interest during claims processing

    Hi, Does anybody have experience or knowledge of the following situation: Guaranteed Mortgage Protection Plan in place with Zurich. Claim due to death of policyholder was lodged in January and settled in November, 10 months later. Settlement amount was for the value of the property mortgage...
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    Independent Trustee Company (ITC) winding up Small Self-Administered Schemes (SSAS)

    Hi Stephen - is that 1% AMC definitely correct? It looks like you can access an ITC/Conexim PRSA for 0.5% for when you invest €200,000+ Advisor charges need to be added to that and I'm not sure how the actual funds purchase and then ongoing annual charging works. It mentions that 'on-platform'...
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    Recommendation for solicitor to review contracts for small tech business

    Hi, I was wondering if anybody has a recommendation for a solicitor to review a contract that is being drawn up between two businesses. The scope is probably not big enough to engage one of the large firms so I was wondering about smaller firms that cater for SMEs, ideally in the tech sector...
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    Company electric car?

    Alri - I tried to work through the calculations on this previously: https://www.askaboutmoney.com/threads/company-provided-electric-car-tax-workings-review.225206/ Take a look and see if they make sense, I didn't calculate the leasing option but it is definitely worth consideration.
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    Case study Company Provided Electric Car - Tax Workings Review

    Thanks Zenith, I had completely forgotten the road tax, looks to be €120 for an EV. You're also right about the insurance, I was being conservative there but it looks like I can get a policy in my name to cover the company car since I'm a director, cost is around the €700 mark for me also. On...
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    Case study Company Provided Electric Car - Tax Workings Review

    RedOnion - Thanks for taking the time to look at it, I know there is alot there to go through. I've tried to annotate the table better now and I've made a few updates to the original posting based on the comments above. I am assuming that the BIK is applied and then taxed as notional pay as...
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    Case study Company Provided Electric Car - Tax Workings Review

    Hi, I've been considering the purchase of an electric vehicle (eg: VW ID.4) through my company and have been crunching the numbers to see if there is any benefit going through the company versus paying down the money from the company as usual and buying it from after-tax income. Assumptions...
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    How are komplett selling really good specs wise laptops cheaper than currys and harvey norman?

    That could be an issue - I think they have european layout which is a bit odd if you're used to UK. But if you're plugging in a dedicated keyboard then you're fine.
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    Executive Pension pot transfer

    What is the 'trail fee' outlined above - is it potential broker commission which could be negotiated with the broker? Do Aviva have any kind of a minimum there or is it purely between the client and the broker. For example, with a large fund - could it be setup as 0.3% to Aviva and 0.1% to the...
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    Tax Relief At Source - Once Off?

    Thanks for the replies - I'll check this out now with Revenue and the bank.
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    Tax Relief At Source - Once Off?

    Hi, I am trying to find out whether we should have been entitled to Tax Relief at Source (TRS) over the past number of years, the main question is really whether you just get it for a period of 7 years in total or whether it rolls on as long as the Revenue are paying it. I'm aware that it is...
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    taxation of investment funds

    Marc - sorry for posting here but I cannot see a way contact you via joomag. What's your policy on issuing updated versions of that guide, I purchased an earlier edition but I notice you have a v4 available. Does the initial purchase cover all future revisions? Thanks.
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    Cost of setting up a Power of Attorney?

    I had seen this solicitor mentioned in an article in the business post recently (haven't used him or know anything further): http://www.okellysolicitors.ie/2015/cost-of-registering-an-enduring-power-of-attorney-epa/
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    Car Insurance - Disputing repayment figure for car

    Luckily the meter and printer were included in a separate part of the policy, it is a bit annoying that the amount covered didn't actually cover the full cost though. Meter and receipt printer were €600 and that is the cap on that part of the policy.
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    Car Insurance - Disputing repayment figure for car

    Thanks, yes - we sourced 3 prices from carzone and they were all in and around the same for the same mileage. Have them printed for our records. They have already been given to the insurer who has ignored them and seems to be approaching things from the angle of valuing the car as if we wanted...
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    Car Insurance - Disputing repayment figure for car

    Thanks for the replies - I am getting the picture now which is the insurance company should actually be offering the amount of money it would cost to replace the car rather than the value if the car was to be sold. So this means that their figure should be around the €16k mark since that is...
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