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Thanks a million for your response.

Sorry - I should have mentioned: John and Mary never married.

@Mods - hope it is ok to give this a bump. Not sure if the title is too vague, but I missed the 48 hr deadline to edit. Richard

Aer Lingus are also allowing fee-free changes to flights (if the new flights cost more, you only pay the difference).

Hi Would appreciate if you could offer any advice on this. John and Mary jointly purchased a house in 2002 for €240k where they lived with their two children. They took out a 2nd mortgage for €70k in 2008 to add an extension. They separated in 2012. John moved out and has paid maintenance...

Thanks Brendan, Bronte for responses. @Brendan, as you suggested, PTSB laughed when I asked about what is effectively bridging finance. Current status: We’ve 25k in cash (regular bank savings account); 21k in An Post savings (ten year national solidarity - been in there for five years...

Hi We’re moving house and need to make a 10% (€46k) downpayment on the new house. We used savings for the first €5k and, while we could fund the remainder of the downpayment from savings, we’d prefer not to as they are locked into long term arrangements. The remainder of downpayment needs to...

Congratulations on your enviable position. Well done. Re good governance and low expenses. These are not mutually exclusive. Good governance costs money. Could I suggest you look at Boardmatch.ie. They match specific skills to vetted charities.

These are fair points. I've looked at other roles, had an offer or two but not jumped (I fall into the 'slow steady climb' GNF_Ireland mentions). In a talk with a headhunter last year, he said that consultancy would be a viable option (I've strong general management skills and some unique sector...

This would not be good.

Steven - thanks for the clarification. I don't have any other sources of income and my employer does pay the administrative charges. An attraction of the earlier proposal was that I could access it separately and in ten years. Note the net cost is 70% rather than 50%. Still very interesting and...

@PGF2016; @Sarenco; @gnf_ireland Thanks a million for the insight. It’s greatly appreciated. In response to the questions raised. 1. The three savings – Zurich, State and CU – are all reasonably accessible in immediate to short (<1 month) timeframes. I don’t have any other funds set aside...

Age: 50 Spouse’s/Partner's age: 46 Annual gross income from employment or profession: €90k (private sector) Annual gross income of spouse: €40k (public sector) Monthly take-home pay: €6300 In general, we are saving about €700 per month Rough estimate of value of home €300k Amount...