Business Personal Finance

Sunday 26 March 2017

Home phone and broadband combo

Peacocks don't feed themselves, you know. Bono's feathered friend could be on ship rations soon if people keep downloading music illegally. It's much better to pay for songs as we can't have rock stars reduced to penury. But you'll need decent broadband. About 3mb should be just about OK.

The State's biggest phone company Eircom's best deal is for 8mb. For someone using 100 minutes per month of local and another 100 minutes of mobile calls, totted up by www.callcosts.ie. Eircom's best offer comes 36th on the list of cheapest prices.

Best: Imagine with WiMax Talk and 3mb broadband €51.67 a month

Avoid: Eircom NGB Basic and Talktime Chatter €70.42

Saving: €225 per year

contact: www.imagine.ie or 1890 929007

Hospital coffee

They smell. They are full of sick people and superbugs. What's not to like about hospitals? Coffee prices for one. A survey by Friends of the Elderly found a savage cost difference between coffee available at some of the State's hospitals. The quality of the brew may differ from hospital to hospital.

Best: James Connolly Hospital, Blanchardstown €1.15

Avoid: St James's Hospital, Dublin €2.40

Saving: €1.25

Car cover

You could save enough to have lots and lots of reality TV show votes on premium rate telephone lines if you paid less for car insurance. Not that anyone would want to do that. Fully comp insurance for a 49-year-old woman living in Killarney, Co Kerry, driving a 2004 Audi A4 1.9l worth €10,000. No claims or points for yonks. Includes full bonus protection, which is nice.

Best: Quinn Direct €407

Avoid: FBD €542.66

Saving: €135.66 a year

contact: www.quinn-direct.com or 1890 891 890

Share dealing

Are markets going to tank next week as US authorities withdraw financial support and Europe bounces from crisis to crisis? Or have shares been hosed enough over the last month? It's about a zillion times cheaper to buy shares online rather than going through a stockbroker. Actually it's 10 times cheaper. What planet are these guys on? For €10,000 shares in Glanbia.

Best: TD Waterhouse.ie €15

Avoid: Bloxham €150

Saving: €135

contact: www.tdwaterhouse.ie or 1800 646 582

Health insurance

The VHI is now the polar opposite of the puppy's privates. It's more like something produced nearby... in value terms. The 40 per cent price hike was a step too far. Time for the semi-State company to be shown the door. Decent enough cover for an adult with quotes from www.insure4less.ie.

Best: Aviva Business Plan Extra €911.80

Avoid: VHI Plan B options €1,429.50

Saving: €517.70

contact: www.aviva.ie or call 1890 716 666

House insurance

Why pay double for your home insurance? It could be worth chucking a few eggs at big insurance companies as well as bankers to let them feel your anger. Cover for a detached house in Artane, Dublin 5, worth €375,000. Buildings cover of €250,000 and 20 per cent contents cover for a 55-year-old couple with an excess of €250. Accidental damage included.

Best: Chrome Insurance €304

Avoid: AXA €730.45

Saving: €426.45 a year

contact: www.chromeinsurance.ie or 1890 247 663

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