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    Health Insurance Keeping a child and young adult in the system for minimal cost

    I am currently reviewing but find it really difficult to navigate all the jargon. We pay monthly and it has gone from 188 to 244 per month, mainly as the young adult gets older. We generally don't claim day to day stuff but the adults have used day procedures in private hospitals in NI, which...
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    Health Insurance Keeping a child and young adult in the system for minimal cost

    Our VHI renewal has become expensive enough for us to take a serious look at the need for cover at all. Both adults have and do use it, so that's fair enough. However, we are looking at possibilities for the kids, a 17 yr old and 21 yr old. Both fit and well. The 21 yr old goes to uni and...
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    Approved for class 2. What now?

    Received a letter saying I have 9 years existing and can pay class 2 voluntary contributions. What is the best way forward? Aware I can backdate a few years to bring to 11 but do I then voluntarily pay class 2 each year until I reach 35 years total, or can I pay say 10 years at a time ? I'm 41...
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    Health Insurance Enhanced care vhi alternative with NI cover

    Have been vhi for years. Based in the NW so have used private hospital in Derry a few times, which is covered under our enhanced care 350 package. Was advised many years ago on here to keep this cover the same due to our location. Do any other insurers cover hospitals in northern Ireland?
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    Zurich savings plus premium increase

    Thanks for the replies. I had read the fine print but this plan is in place for 2 years, this is into year 3 and this is the first increase. It's been €101 since the start. That's the reason I posted the question, as I was unsure as to why it might be starting to increase now . I thought there...
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    Zurich savings plus premium increase

    Not sure if this is the correct forum for this question. I have a basic 100/month Zurich savings plus plan. The premium was always €101 monthly. A letter arrived today to inform me of a premium increase to 105.40 per month. I'm not getting anything extra as far as I can see. Just wondering if I...
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    Independent pension advice for a company

    It was transferred from Zurich to Aviva. The reasoning behind the change is not clear internally, but it appears it may have been on the advice of the broker, or may have been sold as a better pension. The facilitator who done the groundwork moved on shortly after. I don't think it's a bad...
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    Independent pension advice for a company

    We have a manual type of workforce. The average employee wouldn't know where to start with pensions, except for joining it and paying into it which is a good thing. However when it comes to funds or choices they don't go there. So we asked the brokers on numerous occasions if they could assist...
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    Independent pension advice for a company

    Looking for someone who could offer advice on our company pension. The broker currently in use is not really engaging as such. Pension was moved from one big provider to another during previous tenures and fresh management would like to see if what we are providing is the best for our...
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    Employer pension changing to master trust.

    Confirmed from the provider that fees will not change. AMC 0.7% , 100% allocation.
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    Employer pension changing to master trust.

    I received a letter from Aviva saying that my employer and trustees have requested to be transferred into a master trust pension from our current defined contribution scheme. It appears this is due to some changes in EU rules which would mean higher costs for our existing scheme, therefore...
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    Key Post I have a Bank of Ireland tracker – should I consider fixing?

    Thanks for the guidance. I contacted them today and have been advised of their rates at 4% for 3 or 5 years which is the remaining term of the mortgage. Currently on 4.75, ECB +1.25%. Will leave the other one alone for now.
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    Key Post I have a Bank of Ireland tracker – should I consider fixing?

    1) Existing, ECB+ 1.75%. 2) Fixed at 2.9% for 18 months 3) Tracker 30k, 5 yrs left Top-up 28k, 9 yrs left 4) 5 and 9 years 5) BoI 6) 140000 7) Neither 8) No 9) Best available 10) No, probably a C2 11) Not sure.
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    Household income reduced suddenly. High costs.

    Hmm. It's a mess at the minute. While there is a scheme, it's prohibitive. Looking at around 50/60k outlay to repair house at present. Timeline is years away at least.
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    Household income reduced suddenly. High costs.

    This is one thing I would like to keep. Although a basic plan, it has afforded is faster investigations in the past in private hospitals. Agree the public health system is good once you are in, but it's getting in is the problem. I'll give you real world example. I had a medical issue...
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    Household income reduced suddenly. High costs.

    Thanks everyone for your replies. I have some legwork to do but in summary the advice seems to be; Stop paying the AVCs and divert that 858/month back into net income and add it to the 1000/month. Stop paying the Zurich fund and add that to the 1000/month. Approach the bank to see what can...
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    Household income reduced suddenly. High costs.

    Age: 46 Spouse’s/Partner's age: 44 Annual gross income from employment or profession: 96000 Annual gross income of spouse: Ad hoc 4000 Monthly take-home pay 4550 Type of employment: e.g. Civil Servant, self-employed; Private sector PAYE. In general are you: (a) spending more than you earn...
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    What happens to my will after solicitor closes down?

    We made a will a couple years ago. We have our copy and the solicitor we used kept a copy in his 'fireproof safe'. We recently heard that that solicitor office closed down and no longer operates. I'm just wondering what happened or happens to the paperwork and will that was stored there? Does...
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    Key Post UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

    Maybe silly question but does the CF83 form and cover letter get sent to the address on the form, or to the future pensions centre?
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    Key Post UK State Pension - Make voluntary contributions to qualify for UK pension on top of Irish pension

    What is the situation if you were a cross border worker, IE living in ROI but working in NI. On form Cf83 it asks when you left. Assume it's the date of leaving employment in NI? I left employment there in 2021. It also asks for UK address . How does one complete that if you lived in ROI but...
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