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    Guaranteed Annuity Rate and IORP

    Hi Gerard Phoenix have confirmed that they will not be offering either a Master Trust or Trustees Services, only thing they said was that the Benefits could be claimed or transferred to another provider Bedlam
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    Guaranteed Annuity Rate and IORP

    Hi Gordon, Unfair, in that for me to be compliant I will loose a very valuable benefit Bedlam
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    Guaranteed Annuity Rate and IORP

    Hi, Guaranteed Rate of 11.11% with Phoenix under a Company Pension. Phoenix are not offering a Master Trust or PRSA, if moved to another Company the Rate will be lost. This strikes me as being very unfair, anybody any experience or advice on what to do here please? Bedlam
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    Vodafone shares should we sell

    I recently sold Vodafone shares and have run into a problem. The cheque issued in settlement was "payable" to the 3 named shareholders. I now find that this cheque cannot be lodged to my bank account and have been told it can only be lodged to an account in the 3 names noted on the cheque. Has...
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    Step by step guide for holders of CRH share certificates

    I tried to buy additional CRH Shares through my Computershare US account without success, does anyone know is it the case that I can't do this for some reason?
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    PRSA and BIK

    Thanks for pointing this out
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    PRSA and BIK

    Does anyone know how BIK on a PRSA calculated before it removed in the last Finance Act?
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    Finance Bill 2022: unlimited employer contributions to PRSAs permitted from 2023?

    Memories of Approved Retirement Funds back in the early 2000's when they forgot to apply income tax on withdrawals, it took a couple of years before they realised that they had a serious loss of income as wealthy people went the ARF route instead on the Annuity route
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    Cohabitating and Death

    Correct not married
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    Cohabitating and Death

    Hi Where the death of a partner occurs and that person was in receipt of the old age pension (now stopped) does the surviving partner have any entitlement to any social welfare welfare benefits arising from the death? as in her own right she is aged 65 and will not qualify for the old age...
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    Transfer of property under fair deal scheme

    Thanks for the replies to expand my side both parents in nursing home. Existing life loan 225k outstanding property value 300k. Under the fair deal if the property was sold and loan paid off would the fair deal reassess their means and increase subsidy? Would it make sense to go this route?
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    Transfer of property under fair deal scheme

    Hi On this subject and another thread in relation to the 3 year home exemption rule, can someone please explain if the house is put up for sale, say 18 months after the Person goes into care, how is the liability to the HSE calculated? Bedlam
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    Davy's fined €4m by Central Bank

    Gives new meaning to Davy's Advertising Tag Line "Davy it's not just Business. it's Personal":)
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    Which lenders offer consolidation loans?

    The following taken from a 2009 post above and on this topic will Banks / Credit Unions still facilitate this type of consolidation and if so, which Lenders are offering this facility please? "Consolidate short term loans into one loan with a duration of the longest term loan you have, aside...
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    Free Eir Sport on Sky

    Hi jpd Many Thanks for clarifying the position for me it is very much appreciated Regards Bedlam
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    Free Eir Sport on Sky

    Hi My Father (95) is an Eir Broadband customer and recently signed up to Sky for TV. When signing he cancelled a direct debit to Setanta Sport (Eir) and has lost a lot of his preferred Sports Channels. Can anyone tell me please is he receiving all available channels with the Free Eir Sport...
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    Convertible Term Policy and Assignment to PTSB

    Hi I have one of the above taken out originally with the Mortgage 20 years ago this month. I extended the Mortgage by 3 years and as the Conversion is now due to be availed of by the end of this month, I am thinking of not availing of the option and letting the Policy go. My question is can...
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    Winter Travel Insurance for under 18 travelling alone

    Hi I have tried a few online Insurers for the above but none appear to quote for the given situation. Has anyone come across this before and if so can you post the name of the Insurance Company that quoted please?
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    GP Medical card, is State Pension included as income?

    Hi Black Sheep Thanks for this information, can the Bank Rate be used when it is lower than the notional rate in working out the figures? Regards Bedlam
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    GP Medical card, is State Pension included as income?

    Good Morning A further query please on this subject. Does anyone know what the notional rate of interest is applied by the HSE to the balance of monies held on deposit for the purpose of the means test. Thanks Bedlam
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