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    Lightyear Paying 3.25% Instant Access, No Fees & 20k Protection

    It sure has. Is it worth holding/converting deposit money in USD or GBP for the extra 1.5% over the euro?
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    Referral Requests for Deposit Products - Raisin.ie etc

    Can I get a lightyear referral?
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    PTSB ending fee waivers on legacy current accounts - 47,000 affected

    What's this about Current Account 4 accounts? Can they not be converted into those explore accounts I've heard mentioned? I've 2 Current Account 4 accounts. Mine, and our joint account. Do I have to close them to open a new account or something, rather than just change the account type?
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    Employees in childcare sector to be paid more

    Can't say I heard that during the announcement. Anything more on that @Brendan Burgess ?
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    Child care fees to be reduced by 25%

    Any mention of when this might come into play?
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    Child care fees to be reduced by 25%

    Curious how? Bumping the 50c per hour subsidy to something useful? I can only imagine the means tested will reap the most from this, and ultimately it will mean little to me and my €1500 a month crèche fee
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    Tax-free vouchers can be given by employers increased to €1,000

    Allgo vouchers is where it's at. Basically a prepaid MasterCard. I always use mine, why wouldn't you!?
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    Tax-free vouchers can be given by employers increased to €1,000

    2 500 vouchers per year, and available in 2022
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    PV Solar quote /5500kw annual consumption

    To be fair, last October quotes are a dream compared to today's reality. That 6k quote you got is likely to be 9k now (from my recent experience calling 14 different suppliers)
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    PV Solar quote /5500kw annual consumption

    Cars generally need a certain amount of power from solar before they'll start charging. Over 1kW at least, so a 2.3kW system (with a couple of hundred W base load from the house) might struggle to charge the car on its own. Aside from that, that company are "leading" sure, but awful value. For...
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    Guide price for the following list of items for solar panels

    I got something similar (no Eddi) but at that rate it'd be 17 years paying it off (with the savings generated from it). I know electricity rates will go up, but 12k for 6-700 savings a year. Seems there might be better options at that roi
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    Clearing Mortgage

    Breakage will be reasonable if there's 4-5 months left on the mortgage. Right BoI when you're able to pay the mortgage off and ask for a breakage fee. You'll know if it's worth it then
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    Which to choose ICS rates 5 years fixed 3.69 % vs ICS Variable 2.7 %

    If fixed rates are gone up that much, just think what variables can do. If you have to stay with ICS or lose the house, go variable with ICS and start switching straight away. You'll get suckered for solicitors fees to move (1200-1500), but monthly savings on a fixed with Avant or FI would be a...
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    Tips for reducing my weekly shopping costs?

    We used to only shop in Lidl for our big shop, then supervalu for mid week milk and the odd few bits. Found we were now spending ~€75 a week in Lidl Vs what used to be ~€50 a week in early 2021 or before. Moved to doing our big shop in Dunnes but being strict on the vouchers. We either spend...
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    Is there an app which does a money makeover?

    I've been using a free app called "expense manager" since 2012. It's all manually input, but the same as @Alexander_ , when you enter you expenses you're aware of them. You can categorise things too to give you a breakdown of where your money has been going, and build charts and budgets. This...
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    Tracker Rate or Fix

    Isn't all the talk of late about ECB rates going up? So your 2.5% tracker could be 3% later this year. Swapping a 2.5% tracker for 2.15% and coming out of it with 10 years remaining isn't bad IMO. In 5 years time with ECB rates going up, will your tracker is better value?
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    Which mortgage to choose?

    Consider that after each term you'll possibly have to switch mortgage provider, costing up to €1500 in fees. Longer term = less frequency of paying those fees. All options being equal at the end of the fixed terms, the 5 year with 3% cash back seems the best deal. What's the difference...
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    Is it a good strategy to access your pension at 50 and clear your mortgage?

    So would a plan be to have your mortgage balance equal to 25% of your pension pot by age 50. Take that 25% tax free, and clear the mortgage, and then keep working and contributing to your pension pot?
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    Avant Mortgage - new mortgage time line experience?

    Avant are flat out with mortgages. Maybe things slowing down now the €1500 cashback has expired, but our timeline was: 14th January- Applied on Bonkers.ie 24th January - Park financial contacted me looking for all the documents (statements, passports, bills etc) 1st Feb - A couple of outstanding...
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