Ryan Tubridy was good for the 9-10am slot on RTÉ 1 and it was good for him. Photograph: Frank Miller

Morning radio is getting a shake-up, with Ryan Tubridy back at RTÉ Radio 1

 Permanent TSB’s Jeremy Masding (left), group chief executive, and Alan Cook, chairman, at the bank’s mortgage redress press conference this week. Photograph:  Eric Luke / The Irish Times

Far too often, bullied customers are let down or ignored by disparate bodies

The Galway Races are in full swing and Conor Pope has mixed feelings about it all

Caroline and Alicia O’Dwyer from Tipperary take a selfie at the Galway races.Photograph: Cyril Byrne/The Irish Times

Politicians of every stripe thin on the ground these days since that infamous tent folded

Fianna Fáil finance spokesman Michael McGrath: said PTSB the bank had ‘essentially adopted a steamroller approach’. Photograph: Aidan Crawley

Mortgage-holders’ association accuses bank of making ‘derisory’ offers to customers

Minister for the Environment  Alan Kelly speaking to the media with John Tierney and Elizabeth Arnett of Irish Water. File photograph: Cyril Byrne/The Irish Times

From consultants and bonuses to protests and Eurostat, it’s been a torrent of crisis

All told, 1,372 mortgage account holders were impacted with 1,152 being customers of PTSB, with and the remaining 220 being Springboard account holders.

Over 1,300 people to get compensation due to bank’s mismanagement of home loans

‘Sleeping through the night’ means sleeping for six hours at a stretch. Photograph: Thinkstock

Sleepless nights could be just a bad dream, according to the author of a new book on sleeping babies

‘I don’t think I have ever been on the receiving end of such bad customer care’

Plus: Vodafone fails to live up to the sales patter for one customer

Photograph: Thinkstock

Network providers are luring customers with all-in deals – but they are often more expensive, unnecessary and come with important (...)

The money spent by Irish people overseas in 2014 using Visa’s credit, debit and pre-paid cards increased by 17 per cent to €1.26 billion last year, according to figures released by the company.

Consumers most likely to flash plastic in Britain, Spain, US, France and Italy

 Dónal Clancy, managing director of Laya Healthcare, blamed a rise in the number and cost of claims for price rises that will apply to more an half the firm’s customers from September.

Company blames rise on significant increase in volume and cost of claims

Designer Carlo Ratti’s concept shop at Milan Expo

A concept shop at Milan Expo explores how technology could transform the way we shop for food. Some of these changes might be upon(...)

Terminal 2 at Dublin Airport: reader suggests comparing local prices with duty-free prices before  buying. Photograph : Matt Kavanagh / The Irish Times

Plus: A reader is charged €11.43 for ATM withdrawal

As he prepared to board the world’s second-biggest cruise ship, Conor Pope worried cruising would be too old and too sedate. He wa(...)

The Minister for the Environment, Alan Kelly, with John Tierney and Elizabeth Arnett of Irish Water. Photograph: Cyril Byrne / The Irish Times

Are low water charge payments a sign of radical discontent?

There is no known cure for locked-in syndrome. There are some very limited treatments, including ones which use electrodes to stimulate muscle reflexes. These have been shown to activate some paralysed muscles, although the success rate is very low. File photograph: Getty Images

Patients are aware of what is happening but cannot move due to almost total paralysis

Irish Water managing director John Tierney. File photograph: Cyril Byrne/The Irish Times

More than 3,000 did not have their water charges payments processed due to errors

The Central Bank ruled out upfront financial costs as an impediment to switching. Photograph: Matt Kavanagh

Central Bank report finds fewer than 50 people are switching every month

All told, Irish residents spent €1.037 billion on foreign trips between January and March - with the bulk of the spend going on holidays.  File photograph: Getty Images

CSO figures show 1.3m foreign trips recorded in first-quarter 2015, up 14.1% on last year

Scoil Naisiunta Inis Meáin has only one teacher. Photograph: Jordan Currie

Island people book room in Buswells Hotel to lobby politicians and showcase commitment

Alex White: would not be drawn on how much the Government expects to spend on the whole process. Photograph: Dara Mac Dónaill/The Irish Times

Alex White aims for mid-2016 schedule to sign contracts with bidders

Of all the rule breakers we witnessed, the cyclists are the ones least likely to actually harm their fellow road users

Video: Conor Pope takes to the streets to see how well cyclists obey the lights and law

Irish Water managing director John Tierney: all the parties in the Labour Relatiions Commission talks will reconvene in the coming days. Photograph: Michael Mac Sweeney/Provision

Unions say performance-related awards were key element of contract with utility

If you want to send us a postcard from your holidays our Eircode is D02CX89.

It’s not compulsory or before time or likely to please all but Ireland now has postcodes

‘There were valuables in the bag and also items of great sentimental value.’ Photograph: John Li/Getty Images

Plus: A reader is pursued by creditors despite debt-relief notice

‘Politicians need to stop reminding us how important education is and start investing in it,’ says June Tinsley of Barnardos. Photograph: Thinkstock

Parents pay an average of €816 per primary school child each year, and €1,313 per secondary school child

Holiday snap: taking a selfie at the Parthenon in Athens; most protests have been in the capital, away from many tourist destinations. Photograph: Jean-Paul Pelissier/Reuters

Greece is running out of money and its banks are still closed. Good place for your two-week break?

A shopper looks through clothes at the liquidation sale in a premises on Parnell Street, Dublin. Photograph: Aidan Crawley

Windows of pop-up shop on Parnell Street are covered in giant yellow posters advertising ‘Clerys liquidation store’

Getting an ice-cream these days is not as straightforward as it used to be

Fans of the breakfast roll:  builders taking a morning break outside Trinity College on Pearse Street, Dublin in August 2009. Photograph: Eric Luke

Live Well initiative aims to ‘redefine everyday convenience retailing’

House prices in the Republic increased by more than six times the EU average in the first three months of this year, according to new figures. Photo: PA Wire

Average home price 16.8% higher in first quarter of 2015 than in same period in 2014

When contacted, the company said it was experiencing “an intermittent issue which has caused delays for some customers accessing the service”.

Bank claims internet banking service working for ‘majority’ of customers

All told, 81 per cent of parents of schoolgoing children said sending their children back to school in September would be a significant financial burden, with 32 per cent saying they would be likely to get into debt to cover the cost. File photograph: Dave Thompson/PA Wire

Uniforms, books, lunches, school trips, ‘voluntary’ contributions - it all mounts up

Blackhead Lighthouse and its ruggedly beautiful surrounding area on Islandmagee peninsula. Photograph: Tourism Northern Ireland

A summer series in which Irish Times writers go off the beaten track. Part 1: Blackhead Lighthouse is a perfect retreat in an almo(...)

The Merrion Hotel Dublin: cheapest room for next Sunday is €295, falling to €250 on Monday, according to tripadvisor.ie. Photograph: Aidan Crawley

Index shows Dublin hotel prices have soared by 26% compared to this time last year

The minimum hourly living wage a person needs has been put at €11.50 an hour by the Living Wage Technical Group, an increase of 5 cents on the 2014 rate. File photograph: Bryan O’Brien/The Irish Times

Rising rents, in particular in Dublin, are main driver of increase over 2014 rate

‘EBS said we have other options. What do they want us to do, rob a bank?’ Photograph: Aidan Crawley/Bloomberg

Plus: The bank that likes to send scary letters for no reason

‘There would almost certainly be numerous specific impacts on consumers.’ Photograph: Thinkstock

We take its directives for granted, but EU rulings will no longer apply to Britain if it leaves the union, meaning Irish people co(...)

Photograph: Thinkstock

How do you avoid baggage charges, eat and drink for less, and make free phone calls while on holidays? This 20-point plan has the (...)

‘I feel eMobile has a duty of care to inform its customers when such large amounts are involved,’ says our reader. Photograph: Thinkstock

Plus: the amazing shrinking Dundrum Town Centre gift card

Tish Ryan scores a try for for The Swingers. Photograph: Kieran Ryan

With simple rules, a strong social element and a level playing field for the sexes, the game has taken off

The Lonely Beast ABC, a charming app based on Chris Judge’s book, which won the Irish Children’s Book of The Year award in 2011

ABCs, 123s, stickers, Minions, foreign languages, geography, even coding: this selection of first-rate children’s apps will keep l(...)

Taking a case: hiring a solicitor is not always a straightforward process. Photograph: Thinkstock

Should you hire a trusted friend? Would the person who helped sell your house do a good job in an unfair dismissal case? Does expe(...)

In some cases restaurants trading under aliases offer completely different menus

Full audit under way and and all accounts in breach of the rules suspended, says service

‘We have been advised to restrict sale of low-value stamps and so we insist that customers buy them at the time of posting,’ says An Post. Photograph: Bryan O’Brien

Plus: the staggering difference between mortgage rates in Spain and Ireland

Spotify offers a free music service for those who don’t mind putting up with ads

Is it time to wake up and smell the freebies? For although the world is still full of rip-offs and unfair charges, we live in an e(...)

Andy McFadden, head chef at L’Autre Pied in London: ‘In the 2015 guide there were 62 Michelin stars in London, so I am nobody really’

Interview: Four years ago McFadden, from Tallaght, was made London’s youngest Michelin-starred chef – not bad for someone who was (...)

The cost of replacing water pipes could be as little as €600 or as much as €4,000 depending on how difficult the job is.

Irish Water has started writing to 28,000 homes as part of national campaign

German discounter Aldi claimed that the on-shelf banners created the impression that Dunnes’ products generally, or its “Family Essentials” range, were cheaper than Aldi products when there was “no basis” for such a claim, Aldi claimed.

Court rules in favour of Aldi over pricing labels on sausages, yoghurts, tomato ketchup

British retailing giant Tesco now commands 25 .2 per cent of the Irish supermarkets compared spend compared to the 24.8 per cent share enjoyed by Supervalu.

Supervalu comes in second with Dunnes Stores third

Many petrol stations now charge for air. Photograph: Thinkstock

Over the past 10 years, private enterprises and government bodies have been steadily rolling out charges. It’s got to the point wh(...)

The Lenovo S8-50

Plus: the mystery of the shrinking Gateaux cake

Earlier this week the Commission for Energy Regulation gave the green light to Panda Power to become the fifth supplier of domestic electricity in the Republic. Photograph: Getty Images

This new green entrant to the Irish electricity market is eyeing up a slice of the energy cake

Does everyone have more money in their pockets and are the bad times over then? The short answer is, no

New money-saving series by The Irish Times is offering to help readers get their personal finances in order

Past masters: Chefs Derry Clarke, Catherine Fulvio and Paul Flynn in Lords & Ladles

Lords & Ladles is a new cookery show where Irish chefs recreate what it was like to prepare food in a 17th century big house

Consumers remains concerned about a lack of improvement in household spending power, new data indicated today.   Photograph: Aidan Crawley/Bloomberg

Data indicates healthy upturn in the economy, but highlights disconnect with consumers

Panda plans to invest €40m in “phase one” of its energy rollout, and has promised to supply green electricity produced from renewable energy sources. Photograph: Getty Images

Panda Power becomes fifth operator in domestic market with 18% unit price reduction

‘When I asked to see a manager, the answer I received was “No! You cannot speak to my manager. I cannot contact him” ’. Photograph: Aidan Crawley/Bloomberg

A reader wrote to us because he is ‘desperate and can’t find anybody here in Ireland who wants to or can resolve this issue’

Dublin Port tug boats Beaufort and Shackleton impress the crowds at the Dublin Port River Fest. Photograph: Conor Pope

Tug boats dance to Wagner but sun fails to make an appearance at first day of festival

The value of mortgage approvals increased by 43.6 per cent year-on-year and by 2.6 per cent in a single month Image: Getty

Data released as Bank of Ireland applies limited fixed-rate cuts

Central Bank governor Patrick Honohan: ‘If people were more active in the switching market, it might keep banks on their toes and we would encourage that.’ Photograph: Cyril Byrne

Borrower inertia lessens impetus for Central Bank to intervene on rates, says governor

Director of the Insolvency Service of Ireland Lorcan O’Connor said that there were still 37,000 mortgages in arrears of longer than 720 days. File photograph: Eric Luke/The Irish Times

ISI director believes vast majority struggling with debts are victims of circumstance

Minister for Enterprise Richard Bruton: the Republic’s consumer law as it stood had ‘too many rules in some areas and too few or none at all in other areas’. Photograph: Gareth Chaney/Collins

Unfair contracts to be outlawed as part of sweeping reform of consumer law

While it is early days and the consumer rights Bill unveiled by Minister for Jobs, Enterprise and Innovation Richard Bruton  has a long road to travel before it becomes law, it is a promising move in the right direction. Photograph: Gareth Chaney/Collins

There are virtually no laws governing the gift voucher system at the moment

‘The non-stop consumer is mobile, social and harder to impress,’ says Accenture Ireland’s head of strategy, Ryan Shanks. Photograph: Thinkstock

‘The non-stop consumer is mobile, social and harder to impress’: Irish people are increasingly impatient when the online experienc(...)

‘There was no apology for the clear ludicrousness of the situation,’ our reader says of his experience at Debenhams in Blackrock, Co Dublin. Above, a Debenhams outlet in London

'Let me get this straight. I pay almost €500 upfront for a machine you have in stock, but you won’t give it to me because it’s not(...)

Blazing paddles: Conor Pope attempts to surf the wave, created by a passing ferry, at Dollymount Strand, Dublin, where the Battle for the Bay takes place this weekend. Photograph: Eric Luke

On my first attempt at stand-up paddleboarding, I am reminiscent of a newborn foal on rollerblades, and my coach looks at me with (...)

Our reader wrote to UPC in January, cancelling the service. ‘I also cancelled the direct debit. I have since been billed for two months’ service,’ he says

Plus: free pension advice for women; a Vodafone billing problem; and praise for Aer Lingus

There is a reason supermarkets are designed they way they are. The longer the aisles, the more we spend. Photograph: Getty Images

The big retailers have all manner of tricks up their sleeves to persuade us to spend more

Conor Pope takes off from Dublin to land in . . . Dublin as he tries to understand what makes people scared of flying

People who are afraid of flying can now go on a special flight designed to eliminate their worries

Under the new Lifetime Community Rating (LCR) regime which started on May 1st, anyone aged over 34 without private health insurance has to pay higher prices if they take out a policy. File photograph: Getty Images

With Lifetime Community Rating, over-34s have to pay more if taking out new policies

Insurance companies who had engaged in a bidding war over the last few years have had to increase premiums to return to profitability.

Central Statistics Office inflation report reveals mixed fortunes for motorists

New firm to run cables over ESB electricity lines to 50 towns across State

 Minister for Finance Michael Noonan: the changes he announced will hopefully have a ‘positive impact on the mortgage arrears problem in Ireland’, said  chief executive of  Irish Brokers Association Ciaran Phelan.  Photograph: Gareth Chaney Collins

Experts welcome overhaul of insolvency system to stop ‘torture of financial distress’

Spending in hotels, restaurants and bars was up 6.1 per cent while consumers also spent 4.7 per cent more on recreation and culture with transport and communication spending climbing by 4.4 per cent and health and education going up by 1.9 per cent. also benefited from the upswing in the economy, with both categories showing positive growth.

Visa’s index shows rise of 4.3% in April

Catch up with our Irish Times swimmers in their final week before swimming a mile

The Central Bank’s Bernard Sheridan: “consider the letters you receive carefully”

Some 160,000 urged to consider refund options over credit card insurance

While Tesco’s market share is lower year-on-year it has improved its position versus last month. Its improvement lifted its market share to 25 per cent and places it on the same footing as SuperValu

Aldi and Lidl sales grow by less than 10% for first time since 2010

‘I have had no satisfaction in dealing with the company, and they insist they have to try to repair the phone three times before they will replace it.’ Photograph: Thinkstock

Plus: more unhappiness over travel insurance

What will happen if you can’t afford to pay water charges? “An attachment order could be made to your wages or social welfare payments. To take money from people on social welfare would be very controversial, not to mention unfair.” File photograph: Getty Images/iStockphoto

Proposals not fully formed but Government anxious to avoid sending non-payers to jail

Brian O’Donnell puts the  keys of Gorse Hill which he vacated in front of t Richie Boucher chief executive of Bank of Ireland at the company’s agm last week. Photograph: Aidan Crawley/The Irish Times

Former solicitor says family is being ‘bullied’ by bank and will take fight to Europe

According to the most recent Central Bank figures, more than 110,000 of the 760,000 mortgages in the State were in arrears at the end of 2014. Photograph: Dominic Lipinski/PA Wire

Analysis: Repossession orders may be tactical, but lenders can still just pull the trigger

Pricewatch guide: Is travel insurance an essential holiday item? Photograph: Thinkstock/Clive Mason/Getty Images

A guide to the advantages and disadvantages of getting cover while you’re on holidays

‘Our system cannot accept a membership application without the applicant manually entering their credit- or debit card details into the sign-up page,’ says Complete Savings

Plus: no refunds from Booking.com, and Irish Water’s stance on the singles market

Changes to health insurance rules introduced last week put pressure on more than 1,000 officers serving in the Defence Forces to take out private health insurance even though they already have full medical cover as part of their terms of employment.

Officers have to take out private health insurance even though they already have full medical cover

Under the new health insurance regime, which starts on Friday, anyone aged over 34 who does not have private  insurance will have to pay higher prices if they take out a policy. File photograph: Getty Images

In new regime, anyone over 34 without private cover will have to pay more for new policy

Enda Kenny and Joan Burton who said it might have ‘slipped’ bankers’ minds that people’s substantial pay cuts funded the banks’ recovery. Photograph: Eric Luke / The Irish Times

Ministers seek reduction from banks for people of Ireland who helped to bail them out

   Ulster Bank CEO Jim Brown photographed in 2014. File photograph: David Sleator/The Irish Times

Banks set for collision course with Government over mortgage rates

One complaint said he considered the King of Paws advertisement “to be part of a trend where men are belittled, mocked, painted as idiots and in this case compared to dogs”.

Nissan Ireland, VHI and Aer Lingus also run ads which breach rules

"We can no longer ignore the big, wet elephant looming in the corner."

Conor Pope: ‘I’m going to have to up my game if I am going to make it to the end’ Dominique McMullan: ‘After yesterday’s efforts, (...)

Ryanair ‘not liable for the passenger’s care and assistance’. Photograph: Anne-Christine Poujoulat/AFP/Getty Images

Plus: an unromantic end for an engagement ring; and another unhappy customer of Complete Savings

Going, going, gone: shrinkflation leads to ‘price increases by stealth’, says Dermott Jewell of the Consumer Association of Ireland. Photograph: Thinkstock

Yorkies are less thick than they used to be, a box of Surf washing powder has become lighter, and a bar of Imperial Leather soap i(...)

The deadline for new customers to sign up to avoid the extra payment levy is midnight on Thursday.  Photograph:  Lynne Cameron/PA Wire

Many people are still confused about what they should, or shouldn’t, be signing up for

David Duffy, AIB chief executive officer,  speaking to Conor Lenihan before addressing the Oireachtas Joint Committee on Finance, Public Expenditure and Reform at the Dail. Photograph: Alan Betson

David Duffy denies AIB has been profit taking from variable rate customers

Head of AIB Daid Duffy told an Oireachtas Finance Committee hearing that if market conditions and the bank’s costs of funding continue to improve it will be in a position to cut its SVR rates.

Mortgage rate reduction of at least 0.25% is anticipated in the coming weeks

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