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Hi all looking for some high level guidance for my wife who is starting a public service job for first time. My wife is 40 this year and is just about to start a new job in the HSE. She has always worked in the private sector and has a pension pool from that at the moment which is around 50k...

No downside once you make the 1% monthly payment. One thing to note you can't really make any other transactions on the credit card. If you do you will have to repay full balance back or else incur charges on full balance. I had a big loan about 4 years ago which I have been switching between An...

Thanks Paul missed that thread. Its moved now.

BOI EUR 225,000 EUR 480,000 August 2018 5 years 2.8% EUR 1,040 A2 Yes I'm due to receive 1% (EUR 2,500) cashback from BOI in 12 months time when my fix rate is up I rang BOI this morning and my break fee is zero and they offered me a rate of 3% fixed for 5 years. I'm currently paying 2.8% so...

Hi, Looking for some advice on my current mortgage situation. I'm currently with BOI with 12 months remaining on a 5 year fixed so 12 months remaining at a rate of 2.8%. I'm also due 1% cashback from BOI in 12 months. I rang BOI this morning and my current break fee is zero and I can fix for...

Hi All, Just a update on the makeover 3 years on. Age: 39 Spouse’s age: 38 My Income: 75,000 + bonus 20-30k Spouse's income: 65,000 Take-home pay: Approx €7.8k Type of employment – Both private sector. Wife is in a big company. I switched jobs to a big company on balance sheet with...

Thanks red onion very clear and precise. Another one if you wouldn't mind. How would one go about claiming the relief? Employ a accountant at year end or instruction to HR before pay period to make pension contribution? I have always paid pension through employer scheme so doing it myself is...

Hi folks, I have just been approached by a competitor of the company I work for with a job offer. I would be in line for 10% payrise on base pay however they wont contribute to my pension. My current employer pay 8% which will rise to 10% in 2 years so not a major increase if pension is...

You can't build a new b rated house its against building reg now

If two people are WFH can they claim refund for one person or two? Married couple that is

I have moved my pension to a rated bonds. Would I be better off to go back into equities. Dont retire for another 25 years

Hi deedum, I was in exact same position as you 2 years ago. I done a attic extension and cashflow was tight. First things first you say it's going to cost 30k. I'm telling you now it will be closer to 40k by time you are finished. I had budget of 25k and used plenty of friends in trade and it...

I have a credit card and personal loan with advantcard. Can only say good things about both experiences and also best rates on the market. Also one of the best rewards and balance transfers on market. Customer service has been very good anytime I contacted them. I dont think a big Spanish bank...

Has anybody noticed fairly big increases in supermarket prices over the last 18 months or so including the German stores. I would guess at least 20% increase across the board

If you leave savings in bank no, but I have used the capital to purchase car from uk which I flipped for 2k gain and a small few quid on the market

Does anybody use zero interest balance transfers on credit cards as a means of cheap credit. I put 8k on my credit card 12 months ago for some home improvements. It was zero interest for 12 months so happy days just pay the minimum 1% repayment each month. So this month I transferred the...

Yes. I didnt see the part poster was educated professional was mentioned. All I see is shift work and age being a issue...? The poster will be earning 35k with little expenses and kids put through college. What is the goal of life get to 68 with a big pot of gold and buy top of the range wheel...

So they are going to pay you 35k per year for the next 15 years to do nothing plus the lump sum. You are debt free and kids rared. It's a no brainer really take on a part time job 10/15 hours per week for cash. House cleaning,ironing,minding kids etc. Net income wont be much of a difference and...

I would say 200k of them were friends playing online poker with each other over the last couple of months

I would love to know what you work at? IT or something really funky?