Health and fitness is a hot topic at the moment and many people now spend a significant portion of theirÂ leisure time involved inÂ sporting pursuits. In recognition of this increased interest in all things fitness related Zurich Life Assurance have recently introduced a special offer which will help you to monitor your progress whilst also saving you money.
Zurich Life AssuranceÂ are currently offering new customers a free Garmin Vivosmart 3 Fitness WatchÂ if youÂ take out a new Guaranteed Term Protection Policy with a minimum monthly premium of â‚¬25 per month and agree to remain active with Zurich. Not only will new customers receive a free GarminÂ watch, you will also enjoy a 10% premium discount on your protection policy for the full term of the policy. Furthermore, subject to complying with the terms and conditions Zurich will give cash back of four months premia and at the end of year 2 they will give further cashback of 2 months premia. Continue reading Stay Active and Save Money on Your Life Insurance with a Free Garmin Fitness Watch →
Thereâ€™s been quite a bit of talk recently about the upcoming AIB IPO and no doubt many people will be considering investing some of their hard earned cash in the bank although I have to say it baffles me why this is the case. Continue reading Should you invest in AIB shares? →
I was thinking over lunch about writing another blog post and wondering what subject I might pick and on returning to my desk the answer was staring me in the face in the form of an email from a pension administration company which I have been corresponding with for the lastÂ six months.
At the beginning of August 2016 a client asked me to review his existing pensions and to make a long story short I have spent the last six months corresponding withÂ this company in an effort to locateÂ one of hisÂ pensions from an employer which he previously worked for. Iâ€™ve had to endure some very high minded rebukes from this company to the effect that I was wasting their time etc and in mid-November they told me that they werenâ€™t willing to investigate the matter any further unless I was able to provide evidence that the pension was managed my them. Continue reading Who’s Keeping Track of Your Pension Entitlements? →
It’s not too late to late to make a decision about what you want to do with your ACC Bank pension entitlement. The deadline for return of your completed option formÂ had originally been set forÂ 31 January,Â however Aon Hewitt have extended the deadline to 8 February.
If you previously worked for ACC Bank / ACC Loan Management and were a member of the Bankâ€™s defined contribution pension scheme you will have received a letter in recent weeks informing you that you must transfer your pension out of the scheme. The letter gives you the following options; Continue reading ***Deadline Extension*** for return of ACC Bank Pension Option Forms →
- Did you leave a previous employment where you had a pension entitlement?
- Do you know how much it is worth or what it is invested in?
- Do you know how much is deducted in charges?
- Do you know who has responsibility for the stewardship of your pension?
- Can you make fund switches with ease and speed if you need to?
If you have a definedÂ contribution pension entitlement from a previous employment, it usually makes sense to move it into what is known as a Personal Retirement Bond, also known as a Buy-Out Bond.
If left in your previous employers scheme any amendments you wish to make to your pension must be signed off by the Trustees. This can take considerable time. Some companies who administer company pensions impose their own rules such as restricting fund switches to certain times of the month. Some companies have a lock in period during which no fund switches can be performed. Continue reading Do you have a pension entitlement from a previous employer? →
I had a query from a client recently on whether she would save money by making her mortgage repayments fortnightly rather than monthly. The answer is yes but the effect of this has been greatly exaggerated by many media articleâ€™s, some of which miss the point a bit. You will make a small saving by making fortnightly repayments Continue reading Is it Possible to Save Money on your Mortgage Repayments by Making Your Repayments Fortnightly? →
As promised we made the draw today for our Social Media competition which ran during July. The prize for the competition is dinner for two to the value of â‚¬150 in Viewmount House, Longford.
The lucky winner is Rachelle Oâ€™Connor from Mohill, Co Leitrim.
A big thank you to all entrants.
We’re running a competition on Twitter and Facebook for the month of July. Each Retweet and Follow (Twitter) or Like and ShareÂ (Facebook) of a post which links to this blog post during July enters theÂ account holder into a draw to win dinner for two inÂ Viewmount House in Longford to the value of â‚¬150.
VM Restaurant Converted stables with exposed stonework make a fine restaurant of character which overlooks a Japanese garden with water features, and has an abundance of candles giving a cosy atmosphere at night. Whether entering from the car park or the house itself, guests arrive in a â€˜new’ bar and restaurant reception area with a fire, where Beryl explains the menu while you enjoy a pre-dinner drink. Continue reading Retweet and follow on Twitter or Like and Share on Facebook to enter a draw to win dinner for two in Viewmount House →
Hereâ€™s something you might not know which is worth bearing in mind when responding to important correspondence. If the reply you are sending is in any way time critical – donâ€™t use the Freepost envelope enclosed.
An article in yesterdayâ€™s edition of the Sunday Times describes how 5,000 Irish shareholders of Standard Life are being hit with extra tax due to a postal delay. The company was returning Â£1.75 bn to Continue reading Freepost â€“ itâ€™s free but it certainly isnâ€™t cheap! →