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Two other factors which have occurred to me so far 1 - there is much speculation that the tax relief available on pensions so far will be reduced in the next few years, ergo I should make use of it while I can 2 - in the present structure in later years I can claim much higher tax relief in...

Two other factors which have occurred to me so far 1 - there is much speculation that the tax relief available on pensions so far will be reduced in the next few years, ergo I should make use of it while I can 2 - in the present structure in later years I can claim much higher tax relief in...

Well all I can say is its not as simple an equation as whether to choose to leave money in a deposit account or pay off the mortage! Some variables- - has the analysis in the other thread included the fact that there is tax relief on mortgage interest, or that your pension is taxed when you...

Well all I can say is its not as simple an equation as whether to choose to leave money in a deposit account or pay off the mortage! Some variables- - has the analysis in the other thread included the fact that there is tax relief on mortgage interest, or that your pension is taxed when you...

I've got some homework to do! Thanks all, will read through that other thread and see what I come up with.

Hi, Not sure if this would be better here or in pensions forum but I'll try here. I have a mortgage of approximately 200k. Its a variable taken out in about 2006. My property is probably now worth around 280k so I am not in negative equity (though I significant of capital went in which is...

Thats what I hoped Connard, thanks

So I have a decent sum in KBC and Rabo savings accounts Both earn 1.75% PTSB offer an account with 2% up to 50k I was in the process of moving it and then I got worried, would I lose the interest already gleaned in the other accounts by moving? I mean I assume if I have a given sum in an...

Thanks both of you, I'll go through my documents tomorrow and see if they correlate - can I ask though, if my loan was a standard variable, would it have tracked the ECB rate anyway? I mean did they just move their standard variable rate at the same rate as the ECB for a good few years?

As in, what does it actually look like in document form? The context is that I got a home loan in 2005 from AIB. I always thought I had a tracker mortgage. I got the loan through a mortgage broker and I remember us discussing whether to choose to fix or not. I seem to remember the advice...

Celeb it seems to me that you are advocating putting your money in euro accounts abroad. It seems to me that this simply avoids the risk of Irish / EU banks going under AND their respective govts and the EU not guaranteeing their deposits, or at least being able to honour the guarantee. Having...

Not sure how to do this, is it easy? I have an Aunt in Canada who could presumably open an account for me...

I think its aimed exclusively at NI savers, as per the literature on their website. Has anyone in the Republic succeeded in opening this account and how did they lodge the money?

Hi, I opened the account but have now gotten cold feet looking at the 5 year graph of Eur / Can - the swings are massive. I'm now thinking of opening a Norwiegan Kroner account instead, swings are much less. Either way I'm reluctant as the reality is I will be buying either currency at a time...

Hmmm actually the Norweigan Kroner is more stable than the Can Dollar. Might split it 50 50 between the two if the charges for operating the account aren't too high

So what I plan on doing is opening a Canadian dollar account with NIB, the reasons being: - not sure of future of euro and as such would prob get more purchasing power from another currency in the event that it collapses - even if the euro survives it may well be through the printing of more...