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Thanks Marc. Appreciate the guidance. Do you know of any such insurance company with low charges?

Retired couple (75 and 73) both have small annuity pensions on top of our State pensions which, bar unforeseen outgoings, is sufficient to fund day to day lifestyle. We have a pot of €70k which, based on professional advice, we invested in Standard Life GARS (Global Absolute Return Strategies)...

Having read your details, I have more questions than answers (what savings do you have, ages of kids, what is your variable pay: how often and how much), but at the very least, there are a number of priorities you should be addressing: 1. pay off the €20k bank loan this month (you don't say...

@boe It sounds like you already know the best next steps - I would agree with them as clearly outlined by @Easel above. What is your pension pot value? It may well be underfunded, so could benefit from topping up the AVCs to the maximise the tax efficiency of those contributions - you can...

Clear the credit card this month. Pay the 21.5k to clear the 2 high interest loans. Put 3-6 months spending in an easily accessible account for a rainy day fund (see best buys section for best rates). I would suggest that your pensions are underfunded so use a chunk of the remaining windfall...

With Zero BIK for the next 3 years, I think the company car becomes a more interesting choice versus car allowance if an electric car is an option & your mileage is low.

AIB Visa Platinum gives a small percentage of cash back - around 0.5% from memory.

I followed some advice I got on here OP which I found useful. I used any funds on deposit & not required in the near term to pay down the mortgage while maintaining a 6month rainy day fund. You don't say how much you're putting in as AVCs but on a 7k (10% of 70k) contribution, you have built a...

DOW down 3% this evening (was down 1500pts at one stage). NASDAQ was down nearly 5% a short time ago. It looks like they are coming back somewhat now, but this kind of volatility seems to be indicative of the nervousness building in the market.

You should try the money makeover forum @Prime Mover - it's the most suitable place for your request: https://www.askaboutmoney.com/forums/money-makeover.62/

I think moving to an LTV rate is only an option for those coming off an SRV or Fixed rate. I'm guessing that's the issue @Berneseduke is having - still doesn't seem fair. @kiabi1 How did you get the €100 rate for the valuation - I'm getting a blanket €150 response from the valuers I've spoken...

Thank you for all the opinions and suggestions offered - I think differing opinions, & the ability to question those, are a big part of what make this forum so useful. Based my own situation, risk profile and skill level, I am going to go with pooling my resources (Irish Life fund and Rabo...

Thank you SirMille. I'm seeing that putting the 50k against the mortgage is the right first step. I'll take a look at the Dividend King information. How would one go about investing in precious metals?

Thank you for the advice Sarenco. Regarding the cash reserve, I think it might be quite difficult to find a new job with a comparable salary to my current one where I am based (in the Northwest). I'm looking at upgrading my skillset and network to help with this, but for now feel I need a more...

Just came across this thread - really excellent resource & seems like some really solid advice given so kudos! I'm doing ok but am trying to figure out where I'm going financially. Ideally I'd love to get myself into a position to retire a few years early (ideally 60) so would like to start...

I'm in a similar position Afterflood. How did you get on?