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If it was me, I would get her the lowest level/cheapest plan just to keep the policy active and she can up the cover when she gets home.

Thank you. I agree - the 3% looks better even after the dirt. Just hassle getting to the branch!

Good to hear. Thank you.

Crikey. Have to start the process of cashing in my (joint) matured bonds tomorrow. Not looking forward to it.

Not sure but don’t intend to withdraw. It’s my daughter’s (ex UB) account and she wil have no need for the money.

I have €20k to put away for 3-5 years. Don’t want online institution. Am between 5 year saving cert (1.7AER but Tax free) and PTSB 3 year deposit at 3% AER but with DIRT. What do u think?

Similar income here with no mortgage or depts. My teenagers are extremely expensive. College fees, school fees, driving lessons, social life (only the 6th year - college student funds her own.) Packages arriving every second day, phones, gyms, school/college lunch, taxis. They are spoilt bloody...

Is the 3 year 3% account still only available to open in branch? Do you have to make an appointment? It’s for my daughter. I have not been in a bank for years! Thanks.

Is your take home pay correct? Seems v high for €57k gross income.

Do you know if this is available for under 18 year olds and do you need to have an existing/other account with PTSB. Website is very poor! Thank you.

Which credit union is this? Thanks

No change in my insurance going from diesel to EV. Dream anc reasonable (home charging at EV rate) car to drive - will never go back to ICE.

Google nest here too. Simple to use and does the job. I can control my heat and hot water from an app (all one zone so easy). Got it free/v cheap with my energy provider. Climote is similar. Just check if huge provider offer any at a good price.

Yes - just found this out too. Went with EI night boost.

Best smart EV plan is the electric Ireland boost plan. Still dearer than the energia d/n EV plan though. Plus you’re locked into smart tarrifs then.

I see my usage without the smart meter on the apps linked to PV system/car charger etc

I got mine automatically . Think of you get the grant, it’s all linked.

U still get FIT if no smart metre. It’s estimated based on size of system. I have battery and EV so v little going back to grid so estimate works best for me.. I’m waiting on my smart meter to be replaced with D/N meter. Will be big savings for me as can change the EV and battery on night rate...

I’m getting my smart meter changed to a day/night meter. Much better rates than smart/24 hour meters. ESP with EV.,

I didn’t realize they were prepay. Have heard of them but never looked into rates - and at those rates I won’t be either!