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THE AIB GROUP has announced it is cutting mortgage interest rates for all of its institutions.
The move will see variable rate mortgages at AIB, EBS and Haven cut by 0.25% and other mortgages cut by around .10%.
The move benefits around 146,000 existing mortgage account holders.
With the cut, customers with a €200,000 mortgage will save up to €334 a year, based on a 25 year term.
AIB Group is also introducing new fixed mortgage rates across all three brands. These include 3.80% on its three-year fixed rate and 3.90% for its five-year fixed-rate mortgages.
AIB and Haven are cutting all loan-to-value mortgage rates by 0.24%, while EBS is reducing all its LTV rates by 0.25%. AIB and Haven customers with an LTV of 50% or less will see their interest rate drop to 3.85%, while EBS customers will see it fall to 3.80%.
Bernard Byrne, Director of Personal, Business and Corporate Banking, said “AIB is now in a position to reduce variable mortgage interest rates due to the bank’s underlying positive performance and funding cost reductions. The introduction of the Bank’s new fixed rate pricing will provide better value and certainty for customers.”
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Social media age has a lot to answer for. People can’t even answer a phone call anymore because they’re worried they’re not polished/prepared enough for a random phone call. Children get phones to keep in contact with their social group, then when they meet in real life, they spend their time looking at phones instead of talking to each other.
Try, The Light Phone.
@Thesaltyurchin: just looked at a few articles and user reviews, looks good!
@Fiona: Tech needs something (maybe its Ai), they’ve become useless, the promise of efficiency and connectivity as a positive influence on existence has delivered very little apart from creating the richest people out of these lizards. Maybe there’s irony that this type of ‘tech’ will save us from that type… lol
My mothers school avoidance solution involved a wooden spoon .. it worked, I ain’t traumatised, don’t need safe spaces or trigger warnings etc etc todays kids raised in cotton wool, no ‘resilience’ and all the mental health issues ..
@Bri Lye: but here you are all those years later posting about it on the journal….so it was not as insignificant as you say!
@Bri Lye: Your mother beat you with a wooden spoon, so now you think today’s kids should get the same treatment. Sounds like a mental health issue to me.
@Dramafree 2023:
Insignificant wasn’t mentioned in the post.
@Thomas O’Brien: it was definitely implied! They are making light of the violence. Reality is for most children there is a reason for school avoidance. Beating them, albeit common practice at the time, into submission and compliance does not resolve the underlying issue and is not an approach that would be acceptable in 2025….thankfully.
@Dramafree 2023:
No, what was implied was, that the parents were in charge and not the children.
@Thomas O’Brien: ruling through fear of physical violence should not be confused with being in charge. Imagine regardless of what was going on at school the fear of your mother beating you with a small wooden implement was worse. Step back and think about that. And you are a small child with no options.
@Dramafree 2023:
Yeah, just like you trying to intimidate me with your post.
@Thomas O’Brien: no I’m not trying to intimidate you I am just totally perplexed as to why you are trying to normalise violence against children. But I am also busy at work so I won’t be replying again.
@Dramafree 2023:
Busy at work you say. You seem to have a lot of free time or very long breaks so.
Personally if the No Homework idea from President Higgins was implemented then I’d imagine a lot more children would be less nervous going into school . Too much time is spent on school work so the kids are burnt out early and look to school in a negative way . MY personal option .
@@shelly: Maybe if there were fewer/shorter term breaks, the pressure could be spread over a longer period of learning. Kids barely have more than six weeks in school before the next break, so a lot of stuff is squeezed into the active school time.
It always takes a few weeks to get back into the swing of things, so they are just about settled before the routines of school going are uprooted again.
@Athena:
The children need these school breaks.
You would probably have them in school day and night if you had your way.
@Thomas O’Brien: Are you sure it’s not the teachers needing those breaks? If you compare Irish term breaks with other countries you might learn a thing or two. Giving children more time to learn makes sense, nobody can learn well under pressure.
@Athena:
I don’t care about other countries.
Yeah, the teachers might need those breaks.
When the children are off they are still learning, and the parents need to start looking after the children more and help them with their homework and learning.
@Thomas O’Brien: 63 days off school per year in Germany. Approx 170 days in Ireland. You do the maths.
@Athena:
Have you thought about becoming a school teacher, instead of a begrudger.
@Athena: Despite the longer holidays, Ireland has longer tuition hours per annum than most OECD countries.
A crisis exasperated by an unnecessary closure of schools when children were not at risk from covid. Everyone knew that at the time but the idea was that schools would close to protect the other vulnerable sections of society. Everyone would suffer, so that a few wouldn’t. They’ve condemned a generation to social anxiety and a lack of people skills.
@James Groden:
Stop blaming everything on COVID. Most people got through COVID just fine, apart from the poor animals that were bought by stupid people and then abandoned. COVID was almost five years ago, it’s over and done with.
@Thomas O’Brien: Not true. We won’t know how COVID impacted children until the first children born in 2019/2020 reach adulthood. Most kids were denied normal socialisation which is how maturation primarily occurs. A lot of teenagers now are showing arrested development and huge immaturity. That said, school closures were absolutely necessary to contain the virus and prevent adults, including doctors, nurses and other healthcare workers from getting infected.
@tom toss:
The children born in 2019/2020 will have had plenty of attention if they were born into a large family and would have been spoiled by their siblings and parents and would have been getting plenty of socialisation.
Please, this is what we all wanted right? To realise the opportunities and potential in front of us so we can enjoy life, live longer, spend more time with the people we love!?… Lol, society is ‘business’ and we’re livestock, get back in the van.
if the school were looking after the children up to 1800, that would solve the problem of expensive child care.
@Dominic Leleu:
Schools are there to educate children, not babysit them for absentee parents.
Imagine being in school from early morning until 18:00 , by the time the kids got home it would be time for bed. Would you get a grip man.
@Dominic Leleu: Schools are not creches. Mind your own kids.
The bullying issue today is more insipid and destructive than it has ever been. And everybody’s hands are tied in dealing with the problem. We are becoming more like the Anericans everybody. The schools are full of so-called “winners” and “losers” and this is actively encouraged by parents all over the country. Groups of kids who exclude and humiliate other children need to be broken up. That is a requisite but it is never done because the groups who do it have moms who have nothing else to but install themselves in the running of the schools at every level they can. You only have to look at the various WhatsApp groups to see which parents rule the roost.
@Louis Jacob:
This is where the wooden spoon comes in handy.
@Thomas O’Brien: Lol. Indeed.
@Louis Jacob: Just to be clear: I don’t blame the schools or teachers for this. I know how catious they have to be. This is is a systemic problem. People who were never don’t understand what a life sentence it can be.
@Louis Jacob: *never bullied
@Louis Jacob:
Don’t let the bullies get you down.
Most of the ones I knew are dead from drugs because of the path they took in their lives.
Biggest issue is most young people spend most of their life online. They find real life a lot more daunting. Phones and social media are really hurting young people. A large proportion of young people are addicted to their devices.
We don’t let them drink, smoke or vape until they are 18 yet we see it as acceptable to expose them to the worst aspects of algorithms that are taking up their lives. I think social media apps are facilitating a form of mental child abuse.
Their resilience to normal life is decimated by this.
have your say