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I posted bank draft for 16yrs contributions in October. They have recieved it but allocated only for the past year, 2023-24! Rang them and they said they are still allocating and the remainder will be done sometime, so it seems they are allocating backwards.

That's what I thought Mick'r. By the way, do you know if there are any effective above-timber floor insulation methods. Read about Floor foam but not sure of it's efectiveness.

We have recently been quoted 110,000 for a 60's bungalow. External/Roof Insulation, windows, back-door, heat pump and solar panels. Energlaze said that 30,000 can be got in grants once it reaches the required BER. Nothing mentioned re the suspended timber floor!

Birds definitely do like apples! Like you we planted a few trees 3 years ago. Last year the Katja variety produced a nice crop, got to nearly tennis ball size and the crows wiped them out! Similar with Braeburn's, although they weren't as productive. Have a decent crop so far this year so also...

I have got as far as scanning the front page of my passport (UK) which worked but then when I try to scan the biometric code nothing happens and I end up going back to square one! Anyone have similar issues?

we have a WELBANG petrol mower, 173cc Kholer engine, approx 600euro if I remember correctly. Would definitely recommend.

Hi, I have broadband/tv with vodafone. Year's introduction recently ended and after a bit of negotiating got it down from 90 to 75 euro for the next 12 months. I think they expect you to haggle.

She is a teacher, so pension is sorted. Not a home owner, but who wants to be at her age, more likely in 10 years time. In the meantime, she needs to save and this approach (drip-feed into equities) seems reasonable.

Hi, My daughter (aged 25) wishes to open some sort of regular investment policy (equity-based) with a 10-year time horizon. From my searches, I came up with the Vanguard Global Stock Index through a Standard Life Synergy Fund, hopefully with the capacity for additional single premiums when...

Once again Snowyb thanks for your reply. Will likely stick to the same, though my daughter may have a look at Cornmarket as she is a teacher. Regards, Montbretia

Hi, renewal due: 2 adults @Laya 300 Essential (€1993)+ 2 young adults on VHI One Plan 250 (€729 + 639). Have looked at possible alternatives for adults such as Laya Signify but wondering if there are now any alternatives to include all family in a single plan? Are VHI still the best for young...

In the same boat. My son passed his test on Friday. Zurich says they need a copy of his full driving licence before he's insured to drive on his own - so he'll have to wait a week or so.

Hi, I am trying to convert some GBP savings to Euros. GBP are in KBC Ireland Select Access Demand Account but KBC insist that the GBP can only be transferred to an account in my name, not to an intermediary such as Transfermate. Not sure where to go from here, possibly try opening another...

Hi, My wife has AIB shares since the early 90's (approx 2000 shares before the crash, now a pathetic 12!). Looking to sell what's left of them in order to offset capital gains on the sale of some land she shares (tax due approx 7k). Just wondering if it's worth it. Computershare said they...

Hi, Got renewal quote for home insurance with Aviva, coming in (after haggling) at 599 for 225,000 rebuild + 45,000 contents. Zurich quoted 352 for 225,000 + 60,000 contents!! Anyone else find such a disparity between these two companies? Thanks.

Hi, Received renewal quote for our two children(?) aged 22 and 21 on VHI PMI 4015 Plan, coming in at €634 and €530 respectively, as opposed to figures of €522 and €375 for last year. I though I'd heard the VHI prices had come down! Anyone have any alternative plans? Snowy B has been most...

Hi, Have been quoted €1,790.34 for myself +wife for renewal of Laya Essential Health 300 plan. Are there any new plans offering similar coverage as this plan but at lower cost. Thanks

Well done wab0607! By the way, what area of the country is the house in?

Thanks Steven, AMC is 0.5% (total ongoing fee 1%)

Have been quoted 0.5% of fund value as an on-going advice fee for buy out bond I am going into from a group pension. How does this stand up with regards to other FA's fees for same. Thanks