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Waiting periods will still apply for any upgraded cover when she is back so not sure the benefit of maintaining the policy at a lower level pre age 35

Yes exactly. New deals with the same product (zurich regular premium) offer 101% allocation to cover this - mine doesn't so it is temping to switch but from the above, it may not apply to "switching" even if the new broker states it in their offering

This is very helpful thanks. I am in a similar situation but currently have 100% allocation and 1% AMC and wanted to change to a better deal with another broker (same product) for 101% allocation and 1% AMC. As I haven't already benefitted from the 1% bonus, would I get it on the new contract...

Have you factored in the reduction in your pension from cost neutral early retirement (ie before 65) where relevant? Might be worth considering staying on a it longer if it is

But are they not part of the integrated pension scheme (i.e. pre 2013) so their pension includes the state pension, no? They can't claim an extra state pension on top as it is already part of their occ pension?

Does anyone know if pure pharmacy charge a script dispensing fee? They were refusing to dispense multiple months together for me and I was wondering fi it was due to this (may not be)

The employee is always free to setup their own business, work as a contractor / freelance and then the yet to work when and where they want, in whatever way they feel is optimum. if you don't like the conditions of the job, vote with your feet! The employer will probably manage just fine without...

I think for most jobs hybrid with a 2-3 days in office is beneficial long-term for overall business and organisational smoothness, relationships, connectedness and culture. Many individuals don't agree because they prioritise themselves during work time rather than their employer's goals which I...

It still frustrates me that those with no S&C can't get a refund of their contributions on retirement if they sign a doc confirming they waive all rights to a spouse's pension in the future. Wildly unfair.

Plus nice bonus of free travel insurance and mobile insurance in your first 2 years of owning the phone. Anyone any insight on the other unlisted special offers?

Need more detail on the spouse public DB pension - will it be full 40 years? Is it the integrated scheme, if so there will not be state pension on top

Would also suggest having a browse in your local library (they do ebooks too now) to save even more money ;-) Then even if it is something you think you will get continued value out of as a reference, you can always buy your own copy Or borrow a few from a friend

Yes they need a certain amount of info before you can even make an appointment so they can rule out conflict of interest or work out if they would have a capacity or be a fit for the case My experience is they normally review the broad nature of the query and get back with a "yes, we could take...

Well the fund manager tells you what the tax they have taken is so there is no manual calculation A lot only charge AMCs of 1% tbf if you look in the right places - it is maybe a fairer comparison

Exactly - plus paying with cash instead of the fund manager sorting it from the fund, is a bit messier for the next deemed or actual disposal. Really don't see the big advantage in paying it yourself when you can alternatively top up the fund if you wish

I would have expected to be told "we don't have capacity" or else receive a reply within 3 days. That has been my experience - I got quite a few " we don't have capacity" responses - perhaps not a big enough fish for them

Think it is a good approach - if somebody finds a particular poster's content helpful or useful they may choose to use their referral from the list.

Raisin https://www.raisin.ie/referral/?raf=0d2c77e428a94b99a89752976c688fa1b1813647&utm_source=transactional&utm_campaign=mandrill_customer-referral

Once you are earning more than before (even 1 euro) it doesn't matter how many other grades you by passed. It is irrelevant

Yes but my understanding is the AER takes account of that, so an account with an AAER of 3.03 (interest applied monthly) is the same as an account with an AER of 3.03 (interest added daily). It is still 3.03, so if you only compare AERs across products it is not relevant when the interest is...