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    Best Buy New "cash back" credit card from KBC - maximum €120 per year

    KBC are offering 4% cash reward on grocery and online purchases for 3 months when you take out a credit card between 9th October and 31st December 2015. Thereafter the cashback rate is 1% on eligible purchases. Details here. [broken link removed] A bit of competition for AIB's [broken link...
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    Have we too many third level students?

    I've been teaching at third level in this country for over 25 years and, regretfully, find increasingly that some of the rapidly-growing numbers of students being enrolled on (now near-worthless) primary degree courses by our 'bums-on-seats' policy-makers (managers and administrators, mainly...
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    Correspondence sent to wrong address

    Because letting banks and insurance companies off the hook for shoddy practice — and of course we don't yet know whether that's the case here — is exactly the kind of thing that.... oh, never mind. :cool: I'd suggest you do both. Ring around for a new quote — always a good idea — and then, if...
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    Correspondence sent to wrong address

    Did you change address between renewals, or did someone in the insurance company simply enter it wrongly or get two customers mixed up? They'd be on very dodgy ground (Data Protection Act, etc.), if the latter.
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    50 + and no will

    There's a thing called '[broken link removed]' which allows beneficiaries to be treated as though they were your children, subject to certain conditions. As Thirsty says, with a bit of planning you can reduce tax liability very considerably. As far as possible, your executor should be a neutral...
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    Reviewing my mobile contract

    That's down from 5,000 minutes and up from 5GB. They've also done away with their legacy "Standard" plan, which was €10/month for unlimited texts and calls, but no data. However, the new plans now all include unlimited messaging with WhatsApp (i.e. these don't come out of your data allowance)...
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    Reviewing my mobile contract

    Webtexts are one other downside I'd forgotten about — there are none, since they're a virtual carrier and don't have their own network. But if you have an Android smartphone there are various free apps that can be used to send regular SMS texts from your PC (I do this a lot, too, since I far...
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    Reviewing my mobile contract

    Hi Brendan, sorry I didn't see this earlier. No, absolutely no harm in unlocking your phone — it just means that it will work with any network's SIM card. The question is presumably just so that they can see who they're losing the customer to. 48, when they first appeared, marketed themselves...
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    passport washed

    It's now marginally cheaper to use Passport Express (€80 + €9) than the counter service (€95): https://www.dfa.ie/passports-citizenship/top-passport-questions/passport-fees/ Cheaper still for kids' passports and large-size passports.
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    An Post Savings Certificate maturing soon

    The rules for each issue are given here (p.14 for your Dad's one, OP). They say they'll write "at least" 10 days before maturity, so if that time comes and there's still no word then just give them another ring. I just sent them a completed repayment form; cheque came through within days. No...
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    Reviewing my mobile contract

    In the case of 3, you can do this yourself online — see their requirements [broken link removed]. No need to deal with helplines. Same is true of some other networks, see this guide from the 48 website (my current provider; no complaints so far).
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    Good article on why we should not be borrowing to pay increases to public servants

    Some illustrative figure are provided in the press release accompanying the document linked to above (which will only become an 'Agreement' if/when it is voted into force by ballots in the trade unions...)...
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    Key Post How to choose the best value health insurance (Work in progress)

    Good point, and timely now, as the April 30th deadline approaches. Currently the three lowest-priced plans (covering a semi-private room in public hospitals) all have fairly recent commencement dates in their current versions, and all of the insurers are re-pricing from May 1st. Laya Healthcare...
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    Meteor phone "water damaged"

    +1. The Meteor store manager (rightly) figured that if they kept up the bluster long enough, you would eventually say "ah feck, thirty euro to make the problem go away..." and let them off the hook. Moreover, despite failing to uphold their obligations under consumer law, Meteor will make a lot...
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    Accident with Bus Eireann Bus

    I'd give them a ring first and asked to be put through to their insurance claims dept. My daughter had a similar encounter (she was stationary at the time) and in fairness Bus Eireann were very quick to settle; the car was deemed a write-off, their insurance offered the full book value without...
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    Tiler in Limerick

    Sorry, haven't needed one for a good while. You could try the Limerick forum of Boards.ie?
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    Key Post Where to store title deeds?

    I wouldn't consider DropBox "secure", if by that you mean protected from other eyes. I'm a fan, but I would never use it to store personal or sensitive documents. See this article: How Secure is my Dropbox? TL;DR version: Also, a scanned copy of the title deeds, while useful to have, wouldn't...
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    Tiler in Limerick

    I'm afraid I don't have his details any more; in fact, I'm not certain if he's still around Limerick — my original post is from 2007! :)
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    Pepper (Danske)..uncontactable by email?

    Their offices are in Shannon, as far as I know. If you don't get an answer here, maybe call them and ask? Contact form doesn't work for me either. [broken link removed] Mortgage Enquiries Lo call 1 890 551 504 Phone + 353 61 705900 (if calling from outside Ireland) Monday - Friday 09:00 to...
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    Bank of Ireland increases personal & business current a/c fees

    Sorry, my mistake — I meant to say they've introduced "simpler, clearer" pricing... :rolleyes: Transaction charges other than for automated and electronic payments rise by between 25% and 50% from 23rd February. Curiously, they will now charge 1c a go for contactless payments, whereas it...
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