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Many thanks for the responses. I've stuck with Laya Inspire.

I'm just wondering if anyone has a good alternative to Laya Inspire. Renewal seems to be the same as last year at €2,440 for both of us. Obviously, we'd like to keep a broadly similar level of coverage. Thanks in advance

Many thanks for the response. I'll enquire about the Ulster Bank 2.2% shortly, notwithstanding possible PTSB issues down the line. I thought the savings moving from 2.6% to 2.2% would be more significant though.

Paul, thanks so much for all the advice offered in this thread. It's very impressive. You've some patience! Here are my own details: Current lender: Ulster Bank Outstanding mortgage balance: €295k Approximate value of your property: €605k The date you started your fixed-rate mortgage: Sept...

Hi, Meath22, Post-95 civil servant here who will also be short years at retirement age (65 in my case). My department recently had an online briefing from Irish Pensions & Finance. I'm not plugging them here but they did say they offer a free initial consultation. Obviously they may lean...

I know someone who got about €10,000 written off their mortgage when Danske left but the mortgae balance was pretty small at that stage- under €50,000. I can't see a bigger operator doing that.

Habitual residency is a bit complicated. Basically, under EU law, Ireland has to treat all EU citizens as it would its own citizens for social welfare entitlement purposes. However, in practice, returning Irish emigrants are fairly easily granted habitual residency. Nevertheless, you'll still...

Hi, I'm back again looking for any free advice before renewal on 8 February. My wife & I are with Laya Control 300 Create. The cost is rising from €2,159 to €2,392. Our son (2 1/2) is on VHI One Plan Starter (€115 - no increase) which is fine. Is Laya Control 300 Create still good value or...

I'd like to add my public thanks. He's saved me hundreds (at least) over a couple of years. I'm very grateful.

Thank you so much Snowyb. Much appreciated. Niall

I got great advice here last year so I couldn't help coming back. We're (husband & wife) on the Laya Control 300 Create plan. We've been quoted at €2,159, up from €2,106 last year. It's not a huge increase although we were concerned to hear anecdotally from a friend that Laya no longer cover...

A public sector colleague of mine recently won promotion just before going on maternity leave. There is no way the public sector will discriminate against you because of your pregnancy. You have the law on your side. I would accept the post and, in due course, when you're comfortable, inform...

Robert Watt does get the bus to work from the north side to work and I was once on a full bus that drove past his stop, but I don't recall there being any pensioners on the bus or any morning rush hour bus to be honest. When I go home to Munster, it alarming at how many young able-bodied people...

Its extraordinary that someone can be in default of their mortgage for over 5 years in this country and still expect to live in their home. it just doesn't happen in other countries. No one want to see families evicted or new homeless people but if a mortgage can't be put on a sustainable...

Carnmore, have a look here for starters - http://www.welfare.ie/en/downloads/sw8.pdf Best ring the Department of Employment Affairs & Social Protection for more info if its a more complicated matter. phone number is on the pdf linked.

Never mind.

We've had an i30 for the past 3 years and no problems. About to upgrade to an i40. We would do a mixture of short journeys around Dublin and the odd trip a few hours away to visit family. Did about 50-60,000 km in that 3 years and still really happy with the car, reflected in the decent...

A CO could end up anywhere but can, in time, try transfer somewhere more suitable, even if they'll be at the end of a long waiting list! A grade like AO would more likely be posted in a policy area (although AOs can end up in the Irish Prison Service these days).

The European Commission has been on Ireland's case in relation to this for several years, particularly through the European Semester process. Each year, Ireland would usually have a Country Specidfic Recommendation (CSR) that referenced this. This explains, in part, whiy Ireland published an...

What grade is he coming into the civil service at? It might give an idea of where he could end up.