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    Eligible Liabilities Guarantee Expiring 30 June 2012

    Do savers really rely on this anymore given that bank bailout funds are in place worldwide and anybody who is worried spreads their cash around ?
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    Asset sale to Small Self adminstered pension

    sorry, sales should read sale Anyway,I bought an apartment in 2005 with personal funds. I am considering selling to my SSAP with the following objectives and rationale: - "lock-in" capital loss given price fall since 2005 _ use this capital loss against personal capital gians in over next 15...
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    HSBC advertising on rte radio

    Does anybody know why HSBC are advertising around rte radio programmes - are they open to personal banking?
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    Irish Times: Credit Unions Face Serious Solvency Issues

    An Post paying 3pct for 30 day notice doesn't help Banks to reduce rates, when you can get such a high rate from your post office.....
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    Is it risky not to close my Halifax fixed term a/c?

    If the rate you are fixed at is it lower rate than a new term rate available in the market today, I would close your account early and re-fix with another institution. Otherwise keep it !
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    Investec sending private details via Email

    The only way to test this is to have your security compromised and complain to the bank and data protection commissioner. I had a case against an intitution sending my statements to a relation of mine at a different address and never got a proper apology or action by DPC. i agree with previous...
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    Worried about my anglo deposit

    "The ELG Scheme will be reviewed at least on a six monthly basis to determine whether the financial support provided by the ELG Scheme continues to be necessary." So it may extended beyond September for demand accounts...
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    Key Post IFSRA Guide to which bank is covered for how much

    Full details, and list of those signed up to date are on : [broken link removed] [broken link removed]
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    Meeting with Ulster Bank advisor

    I got details in the post on UB pathway account. Tonnes of terms and conditions and inserts - too much to read but I bet there is some sneaky stuff in there !
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    €30k Short Term Investment

    We are experiencing historically low money market rates, so the only way is really up. I would fix no longer than a year as there will always be a high payer in the market to avail of potentially higher offers in the next 2-3 years.
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    Key Post IFSRA Guide to which bank is covered for how much

    Amazingly, there has been little media coverage about this issue. Is there a media embargo on the subject ? All reports so far have been about EU / ECB concerns about the previous guarantee scheme. Sounds like the plan is to phase it out quietly...
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    what's going on with my Anglo Irish Bank Shares

    Revenue says: http://www.revenue.ie/en/practitioner/ebrief/2009/no-762009.html Revenue eBrief No. 76/09 03 November 2009 Negligible Value Claim – shares in Anglo Irish Bank Where, resulting from the provisions of the Anglo Irish Bank Corporation Act 2009, shares in Anglo Irish Bank are...
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    Key Post IFSRA Guide to which bank is covered for how much

    Its about time they provided consumers with relevant information. However, the key point is that it says "To be confirmed" under the heading "Applies to" so it will take some time before we know who has applied. http://www.itsyourmoney.ie/index.jsp?p=125&n=757&a=0#investor
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    Interest calculation: 360 days vs 365 days

    The programme was a load of nonsense. Assuming (large assumption) that a bank would pay the same interest rate, the difference on 3% for 1 year of 360 compared to 365 day basis is 0.03%. Given that the average rate earned according to the Central Bank is less than 1% for demand accounts (€46bln...
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    Key Post IFSRA Guide to which bank is covered for how much

    Latest legislation on the Irish Government can be found here http://www.finance.gov.ie/viewdoc.asp?DocID=6098
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    Northern Rock demand online going to 2.5% from 3%

    They are giving 3months notice ! Also, they have an EU directive on them to only have 0.6pct market share according their last report,, so this looks like they are winding down out of the market.
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    DIRT rate explanation

    Re: DIRT rate explaination Crabbybear, The effect of every 1% increase in DIRT based on the 86bln savings (which 36bln of which earns 0.63% see [broken link removed], would be meaningful return to the state, and would be tax better sourced than cutting childrens allowances for the low income...
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    Regular Annual Saver Account in Anglo

    According to their website, [broken link removed] there is a closing date for applications to open this account - 30th December 2009. With the ECB +2% guarantee for 1 year, its worth grabbing it
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    DIRT rate explanation

    Re: DIRT rate explaination Not yet anyway, don't be giving Lenny ideas for the budget! I am surprised that you actually thought you would lose 25pct a year though....suggest you read more financial advice sites like AAM more often!
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    Will interest rate hold with EBS merger

    Check the terms of the account to see if there are any rate guarantees specified. If not, it is a variable rate and so could go up or down at the discretion of the Society.
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