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Thanks for comprehensive reply.

Thanks for prompt & detailed replies. This website is a truly wonderful resource. Do I read this right that fathers CGT liability can be offset by the child in their separate taxpayer CAT calculation? How/why does that work ? .

With the widely rumored reduction in these thresholds from their current level of Eur335,000 for children, does it make sense to transfer/gift property & assets up to that value to child now, so that the child ultimately gets the higher lifetime tax allowance benefit before the threshold is...

PS We spoke to an advisor from Cornmarket today (as our renewal is soon also) & he said that the co-pay for orthopaedic procedures is frequently waived if you were prepared to have the procedure done in a different hospital which they have better arrangements with - which I wouldn't have any...

Firstly call Laya & ask them to explain it all to you. Ask about co-pay amount for things like hip etc. We’re with Irish Life & important to know that there’s a 2 year period which you have to wait before you can claim once you’ve added their orthopedic plan. We worked out that it was going to...

Go to Cornmarket who are a broker, & have teachers schemes. They listen to what you are trying to achieve (per your description) & advise best policy. We moved to Irish Life Health from VHI (on a teachers scheme) as we had similar objectives (incl lowering costs) to yours.

https://www.fool.co.uk/investing/2020/03/09/warren-buffetts-advice-on-how-to-handle-a-50-drop-in-the-markets/

Depends whats in it, & what your objectives are. The general advice is that a 'fund' should be a long term investment which rides out the peaks & troughs but generally moves upwards. Look at the S&P chart for the last 20 years. As an aside, if you've only lost 10% in the last week, you're...

If you're chasing thin gains in the same 3 stocks, and doing it frequently, why not go with a low cost online execution only broker ? Davy are one of the most expensive ?

Don't IB charge USD10/month for their IBKR Pro plan ? The IBKR Lite plan, which has zero monthly charge, is not available to non-US residents ?

DeGiro is the cheapest - which is next cheapest execution-only broker in your experience ?

Thanks - I meant generally, in relation to all those brokers listed - can I put money into Degiro (more than the Eur20k I read is the basic guarantee amount) & be confident ?

In what respect are these more secure than DeGiro ?

Email from Eircom says : 'If you decide not to avail of the new eircom.net email service from the 31st of March 2020 you will need to download all the data you have saved within your eircom.net email account to your personal storage before the 31st of March 2020, as the old service will no...

How far do they have to go back ? They delete mail after a certain age don't they ?

In the last few days I have had dozens of these wasps/bees flying in to try to crawl into the cracks between railway sleepers in my garden. They're not all going for the same entrance (so don't appear to be trying to nest, I think!) but trying to crawl into the gaps along a stretch of the...

Not sure what you mean - as I said, I'm not looking for any kind of managed service: purely passive, and just enquiring about DEGIRO's bona fides.

Thanks What about security of eg DEGIRO ? If I invest a sum there is it in my name with the fund or in DEGIROs (ie I hurt if DEGIRO fail) ?

Looking to invest in a fund which tracks S&P500. Purely passive. Has anyone prepared a list of such funds available in Ireland & their associated costs ? I understand that costs decrease the more you are prepared to put in, especially if talking to Irish banks & investment houses, but either...

I can't see any rules/guidance on this on RTB - is there any ? I would have thought they would be defining their scope, which would cover things like length of time etc ?