The Lunchtime Money Clinic is now closed. We tried to get through as many questions as possible but due to the huge demand we were unable to deal with all of them. Apologies if we couldn’t get to your question.

John Lowe will be back on the show next Tuesday at 12:45.

John is author of the best-selling Money Doctor Finance Annuals and columnist with The Sunday Business Post.  He is also a fully authorised and regulated independent financial adviser.  You can reach him here for more details.

You can read John's answers to today's questions below.

Send your questions on any personal finance matter by email to lunchtime@newstalk.ie, on twitter to @Newstalkfm or use #moneyclinic, and you can also get in touch via our Facebook page

THE MONEY CLINIC IS NOW CLOSED

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