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Again Snowyb, many thanks. I will check these out. regards Riya99

Last year I took your welcome advice Snowyb and opted for GloHealth Kickoff Plus. Unavailable this year and so would again appreciate your advice. Wife and self. Each 64. Good health. Many years PHI. Private cover in Cork (Bons and / or Mater private) required. Good Orthopedic and Cardiac cover...

Many thanks Snowyb, I will have a thorough look at these. Regards riya99

Could I pose a related query please. Renewal for wife and self. Both aged 63 with many years of PHI.And in good health. Looking to renew. Currently have Glohealth NetMore100 plan. Would like to continue to provide for good Orthopaedic (and Cardiac) cover. Not pushed about day-to-day benefits...

Beautiful city and region with great beaches. Can be WINDY. Some coastal areas over-developed. Tourism is predominantly Spanish, mainly from Seville area.

But, if you don't declare your private insurance, can you subsequently recoup the €75 per night charge from your health insurer?

Look again at IKEA bookcases and get some additional (glass) shelves (from IKEA). Makes good use of space. Worked for me.

Try questor-insurance.co.uk

Forbidden When I try today to access the 'Say No to 1890' site today I can't get in to site - it tells me FORBIDDEN - You don't have permission to access.................on this server. Is there an issue or what's the problem? I frequently rely on this site - it's excellent.

When confirming receipt of card, or activating it, you are asked to phone (yet another!) 1890 number. The number for those who wish to phone a landline is 071 9672692.

Rsa Has anyone had recent bad experience with RSA? Used to be a reputable company. My son had a recent claim - was hit into by a RSA-insured driver who admitted responsibility. Have been ages sorting out very minor claim. And none too cooperative! Am considering moving from them myself.

Thank you Cremeegg - money is on deposit but the figures make it look worthwhile. I shall give it some more thought.

I would also be interested in how to calculate an offer. I have an interest only loan of €100k on tracker rate 1.75% due for repayment in 3.5 years and would repay earlier if the figure was right.

It may take some time as they are usually busy, but contact Dept. and ask them to calculate your potential pension. Prior to choosing this same option I did so on a couple of occasions. They were accurate and helpful. Good luck!

Buy a stick modem there but ensure you are not tied into a contract. I have found better value and coverage from Movistar (Telefonica) but there are a variety of companies operating.

Whilst the overall situation is bleak in Spain and many areas are acarred by half-built skeletons, the old 'location, location, location' adage still holds. Some areas will have dropped more than others and there is a variety of buyer markets - some traditional and some newer e.g. Russia, China...

Is there any obligation on pharmacies to display a price-list - of products or services incl. dispensing charges?

When outside the EU I found that putting my Visa card in credit before leaving, to the estimated amount of cash I thought I might need, and withdrawing in ATMs was cost effective.

Try phoning Citizens Advice - I have found them really helpful on related matters.