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Thank you snowyb.

Good morning, We are 2 adults & 2 kids - ages 14 & 9. Both adults are on simply connect with Laya. Last year we put kids on Essential Health 300. We have had a diagnosis on one of the kids which will mean some occupational therapy, psychology visits in the new year. What would be the best plan...

Thanks for all the replies. Well I paid off the mortgage and it feels great! I am going to book a weekend away for the 4 of us and get a few small things done to the house. I realise now that my kids won't remember the mortgage payments but will remember a weekend away/decent holiday next...

Thanks cremegg. The repayment on the mortgage was 900.00 My tax rate is 20%. We would hope to be able to support kids during college. We are going to start saving the children's allowance into a separate account for this from January 2016.

Age: 49 Spouse’s/Partner's age: 55 Annual gross income from employment or profession: 25000 Annual gross income of spouse:30000 Monthly take-home pay 3,000 Type of employment: e.g. Civil Servant, self-employed PAYE worker In general are you: (a) spending more than you earn, or BREAKING EVEN...

Sorry should have mentioned that I know there is a waiting period if we upgrade our plan. This is a life long condition so we can do the waiting period. I am also wondering if my husband could go on a different plan to me? It is all so confusing!

HI We are a family of 2 adults and 2 children. My husband was diagnosed during the year with a condition. We are currently with Laya with adults on Essential Connect Family and children on flex 500 explore. The diagnosis my husband received was made at mater private which we did not have cover...

The are not at their registered address. I know this from working with them for 1 year. They do not have a physical place of business.

Thanks Rainyday but don't think I will go down that road!! Can I issue my letter to them care off their auditors office?

Thanks roscaf. I have got a copy of their accounts from the CRO. Can I write to them at their home addresses? Rainyday, no didn't get a contract. It was a maternity cover and the lady went on leave earlier than planned so didn't get a contract before I started. As they were paying me within a...

HI I worked for over a year for a company. I invoiced them every month and was paid within 5 days of the following month. I finished with them in February and submitted my final invoice. I was paid 50% of the invoice and when I queried it was told it was standard procedure to only pay 50%...

Age: 45 Spouse’s/Partner's age: 49 Annual gross income from employment or profession: unemployed Annual gross income of spouse: 29683 Monthly take-home pay Spouse wage: 1600 Mine: 240 - unemployment benefit C.A.; 260...

Thanks for the replies. I am going to apply for the leave as if/when I am made redundant I am going to have to try and get another job working the 5 days so going to enjoy the day off now with my children. If the ex-gratia is based on my reduced salary, I will argue that my stat. redundancy...

Hi am taking 1 day a week parental leave. My employer agreed that I could take this for 6 months and then if my work did not suffer I could re-apply for a further 6 months if I wished. I am now nearing the end of the 6 months and he has indicated that he will grant a further 6 months if I...

Hi We took out a 20 year mortgage with EBS. We have always fixed the rate - as in as soon as the fixed rate term expired we fixed it again. We wrote to EBS approx 5 years ago and asked them to increase our payments by €200 per month as we were in a position to overpay. As a result, we have...

Hi My BIL has set up a partnership and has asked me to prepare accounts and complete Form1 for revenue. (I am a part qualified accountant) Are these accounts similiar to normal P & L? Secondly, I had a look at the revenue site and Form 1 mentions Case I/II. Where would I find info on...

My bb supplier is eircom. Incoming mail server is POP3. Outgoing mail (SMTP) is webmail.eircom.net. I got no notification from eircom about changing settings but was able to get incoming mail when I changed details but still no luck sending mail. I'm not very good on PC/IT things so it may be...

This morning I can receive emails on outlook but I keep getting an error when I try to send a mail. Following error comes up Your server has unexpectedly terminated the connection. Possible causes for this include server problems, network problems, or a long period of inactivity. Account...

Thanks for the reply. I do feel fobbed off. These "senior" guys have openly discussed their bonus payments in the office so other staff members are aware of what they get. I had not planned on using specific details but I will rethink my stratregy. I'll focus on my own work and achievements.

Hi I work for a medium sized employer. I am responsible for all accounting/financial matters and a member of the senior management team. There are 5 members of this team - of which I am the only female. I have had no pay review since 2006 when I was asked to take a small increase and a bonus...